Life Insurance

Life insurance provides a death benefit for an individual’s beneficiaries. It lets survivors have funds to pay off expenses and provide a source of income to replace that lost by the death of the insured. There are two primary types of life insurance: term, which provides insurance for a specified period of time at a lower cost; and permanent, which provides a certain amount of coverage at variable rates.

Depending on your age and investment goals we can help you determine if it makes more sense to purchase a simple term policy or go with a permanent plan which can provide additional income at retirement as well as create an emergency nest egg for you and your family should the need arise.