Life Insurance Plans

Life Insurance Plans

Life insurance is a product many people either do not have or do not have enough coverage. 2019 statistics report 43% of United States adults do not own life insurance. Life insurance is a contract between an insurance policy holder and an insurer where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person. Life insurance can have a living benefit and a death benefit and can be purchased based on the needs and goals of the owner. There are different types of life insurance used for different purposes. Each person has unique circumstances and needs to evaluate.


Life insurance helps protect those who depend on you so there is no sudden monetary shortage. It is peace of mind for your family and loved ones during a time that can be very difficult. A life insurance policy can help cover a variety of expenses and commitments including:

  • Loss of income

  • Pay off a mortgage

  • Pay for childcare and educational costs

  • Cover outstanding debts

  • Funeral expenses

  • Complete a retirement plan

  • Provide lifetime income

  • Access estate liquidity

  • Death benefits are 100% tax free to beneficiaries.

Let one of our licensed agents assist you to evaluate your needs and goals. Please know life insurance can be affordable and not all policies require a medical exam. 

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