Life Insurance

Life Insurance for an individual is in place to support a family income replacement, if something unfortunate happens, whether needed for a period of time or for a life time. The option for this kind of coverage comes as Term, different types of Universal Life Insurance and Whole Life Insurance. As we have conversations with our clients about the type of insurance they are needing we help people answer critical questions regarding how long, price and actual need.

Another use of Life Insurance is used for Death Benefit and Cash Accumulation. Given certain accumulations a policy owner is able to withdraw from the cash value tax free over a period of time.

However used, Life Insurance serves a specific purpose and is not for the insured but for those left behind at death.