Individual Insurance Products

Whether you need insurance for your business or personal life and assets, we have the experience to help you find the policy that’s right for you. We are committed to providing you with the highest level of protection at affordable prices. Check out our range of insurance packages, including Term and Whole Life; Mortgage Protection; Disability, Critical Care, Final Expense, and Retirement.

Term and Whole LifeBoth are traditional life insurance policies.  Term insurance provides the most economical coverage for a set number of years (10, 15, 20).  Whole life provides permanent coverage and builds cash value.  A hybrid between the two is called Universal Life.  Term and Whole Life is designed as income replacement for someone who has died or become disabled.

Mortgage Protection – a form of life insurance designed to pay for your mortgage in the event of death or disability.  This form of protection typically provides death benefits as well as living benefits.  You can pull money out of the policy if you suffer a chronic or critical illness such as a heart attack, cancer or stroke.

Disability will affect one in four households per the Social Security Administration.  Most Americans do not have disability coverage.  Cancer and Heart Attacks are leading causes of death and are very expensive – a critical care policy pays upon diagnosis.  Final Expense is a policy designed to provide the needed funds to help cover funeral expenses.  We can help with all of these policy types.

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