Life Insurance 

Life Insurance can be the foundation of your financial security and can help you leave a lasting legacy. Because your life insurance needs are different from anyone else’s, we offer a broad range of life insurance products to help provide financial protection. Over the years your financial picture will change - and your family picture will as well. But there is one thing you can count on: although your need for life insurance will change over time, your need to protect your family won't. That's why it is important to have a life insurance plan in place that provides your family with protection, regardless of your stage of life.

What is it?

Life insurance offers financial protection for your beneficiaries when you die. Some life insurance policies also accumulate cash value, offering a living benefit that can be used for supplemental retirement income, funding for a child's education or cash for emergencies. Any cash value taken as a living benefit will reduce the death benefit, when paid.*

Who needs it?

So much depends on your needs and your income. If you have loved ones who rely on you for their financial wellbeing, life insurance helps ensure that their financial future isn't left to chance.

What is covered?

There are many types of life insurance policies that offer a variety of features and benefits. The basic principle of a life insurance policy is that it pays your beneficiary a specified amount of money when you die in exchange for regular payment of premiums.

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What are the different types of life insurance?

There are two basic types of life insurance:

Term Life Insurance

Term Life Insurance For those looking for the coverage they need at a cost they can afford or have a specific need for a certain period of time, term insurance is often a good option. There are several different length of years the term life insurance premiums are fixed for or considered "level premiums", such as 1,5,10,20 or 30 years. The longer the level premium, the higher the cost of the term life insurance coverage. Many people that get life insurance will want to get some term insurance and some permanent life insurance.

Permanent Life
For others who prefer the added flexibility and security that owning life insurance for their entire lives can offer, permanent life insurance is typically purchased. In many instances, people find that their objectives are best met with a combination of both term and permanent life insurance. What are the different kinds of permanent insurance?  

Call us for rates and Quotes 866-392-INFO (4636)

Call us today at 866-392-INFO (4636)

For a life insurance buyers guide click here life-insurance-pcg.pdf

*_{Distributions under the policy (including cash dividends and partial/full surrenders) are not subject to taxation up to the amount paid into the policy (the cost basis). If the policy is a Modified Endowment Contract, policy loans and/or distributions are taxable to the extent of gain and are subject to a 10% tax penalty. Access to cash values through borrowing or partial surrenders can reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.}