Life Insurance

Life Insurance - Who Needs It?

If someone depends on you financially, chances are you need life insurance. A good life insurance policy would handle the financial responsibilities
you left behind so family members would not be burdened. It can also protect your business if you, a co-owner, or key employee were to die.

Types of Life Insurance

* Term - Usually the least expensive offering a fixed premium for a period of 5-30 years.

* Whole Life - Initially more expensive than term but offers a fixed premium no matter how long you live.
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* Whole Life for Children - Permanent Whole Life Insurance that builds Cash Value.
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* Final Expense - A whole life policy designed to pay burial and other final expenses. Face values usually range from $5,000.—$35,000.

* No Exam Life - No Exam is required. Only a series of medical questions is used for underwriting purposes.
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* Guaranteed Issue & Virtually Guaranteed Issue Life - No Exam and few or no health questions to qualify!