How much Life Insurance?
A well-planned life insurance policy should enable your loved ones to cover their immediate cash needs in the event of your death, but should also replace your income so that your family can maintain their current standard of living. We believe in providing families with a benefit that can be invested conservatively, generating interest earnings sufficient to pay monthly expenses.

Term Life Insurance
Term insurance is like leasing a car. You purchase death benefits for a specified period --usually 5, 10 or 20 years. When the period is over, it's like turning in the leased car. The deal is done and you walk away. Term insurance pays a specific lump sum to your designated beneficiary if you should die during the term of the policy. The policy protects your family by providing money they can invest to replace your salary, and to cover immediate expenses incurred by your death. Term life insurance is best for young, growing families, whose financial needs are especially high but who often have limited resources to cover those needs.

Permanent Life Insurance
Permanent, or "Cash Value," Life Insurance is like buying the car you plan to drive forever. As long as you pay the premiums, permanent insurance stays in force as long as you live. It provides protection for your dependents by paying a death benefit to your designated beneficiary upon your death. In addition, a portion of your premiums are deposited into a tax-deferred cash value account that you can use while you are alive