Types Of Plans

Your current savings can help support your loved ones financially, but that money may not cover your debts, funeral costs and future expenses. Protect your loved ones from the financial consequences of unexpected events.

Universal Life Insurance
Universal life insurance adds flexible policy features not found in whole life. UL gives you options regarding the timing and amount of premium payments, and the opportunity to change your benefit (increasing the benefit may require additional underwriting). UL policy cash values earn a minimum interest rate, and may earn higher interest if the policy issuer’s investments perform favorably. However, the amount of interest credited to cash values is controlled by the issuer

Term Life Insurance
Term policies provide life insurance protection for a specific period of time. If you pass away during the coverage period, your beneficiary receives the policy benefit. If the policy expires, it simply terminates, unless it automatically renews for a new period. Term policies are available for periods of 1 to 30 years.