Life Insurance

LIFE INSURANCE IS BOUGHT BECAUSE YOU LOVE SOMEONE! Life Insurance is providing financial security for YOUR FAMILY. Life Insurance replaces income lost by the death of the wage earner. It means that the people you love can have the life that you wanted them to have i.e. the college education or staying in the home they live in. How much Life Insurance do you need? That is your decision.  We will customize the program to reflect what you want to achieve. What kind of insurance should I buy? That depends.  There are two (2) kinds of life insurance. TERM Insurance Term Insurance only provides a death benefit and is similar to renting a house - you have no equity in the policy. Permanent Insurance Permanent Insurance provides lifelong protection and is known by a variety of names- Whole Life, Universal Life, Variable Life, just to name a few. Most permanent policies have a feature called cash value.  This Cash Value builds equity similar to the equity you build in owning a home.