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Life Insurance

Knowing Your Loved Ones are Protected

Losing a loved one is one of the most difficult things a person will experience.  Purchasing protection against financial loss due to death can help provide peace of mind.  Life Insurance can’t replace the ones we love, but it can provide up to a lifetime of income replacement to ensure the people who depend on us are taken care of.

How much Coverage do I Need?

There are many “rule-of thumb” solutions available, but the best way to approach the needs of you and your family is to determine the amount of current and future financial loss that would occur as a result of your passing.  Then, to also ensure that any personal goals and wishes you may have are also reflected in your policy’s benefit amount. 

Our needs calculator is a good place to start: Assess Your Life Insurance Needs  

Types of Coverage

  • Term Life Insurance:  Term life insurance provides protection for a specified period-of-time.  Common term policy durations range from 10 – 30 years.  The premiums for this type of coverage are level, meaning they do not increase for the duration of the specified term.  A common feature of a term policy is a conversion option.  This privilege allows the policy owner to “convert” the policy to a permanent contract at some point in the future, without evidence of insurability. 

  • Guaranteed Universal Life Insurance:  Guaranteed universal life Insurance provides protection for a person’s whole life, so long as premiums are paid.  This type of policy is best suited for someone interested in inexpensive, permanent coverage. 
  • Whole Life Insurance:  Whole life insurance also provides protection for a person’s whole life.  However, with whole life insurance, there are some additional features and benefits.  Some of these benefits include: guaranteed cash value accumulation, paid-up insurance options, and the possibility to earn dividends*.  A whole life policy owner has the ability to enjoy the cash value and dividends* while they are living.  Whether it be for retirement, college, or anything else. 

Life insurance can provide peace of mind.  Let us help you find a Life Insurance solution that is right for you and your family. 

*Dividends are not guaranteed. 



  • The Other Sure Thing  Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?



  • Assess Your Life Insurance Needs  This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely. 
  • Lifetime of Earnings  Estimate how much you have the potential to earn during your working years. 

Have a Question or Want to Explore Next Steps? 

Thank you!