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term life insurance

Term Life Insurance

Affordable coverage to meet your temporary needs. You'll receive a guaranteed death benefit for the term you choose, and your payments are guaranteed to remain level for the length of the term (usually 10, 20, or 30 Years). Term life insurance tends to be a more affordable policy than permanent life insurance because it doesn’t build any cash value that you can borrow against or invest, and it ends at the term of your contract instead of providing lifetime coverage.

Term Life Insurance Details

  • Level premiums for 10, 15, 20, or 30 years
  • The option to continue coverage at the end of the level term period
  • A choice of riders or add-on benefits to customize coverage
  • Temporary coverage
whole life insurance

Whole Life Insurance

Whole life insurance offers protection throughout your lifetime. It’s the most basic type of permanent life insurance that offers consistency along with some predetermined, guaranteed cash value growth. In addition to lifetime protection, it offers a unique combination of benefits to help meet your needs, including consistent premium payments, consistent cash value growth, tax-free death benefit, policy customization etc.

Whole Life Insurance Details

  • Guaranteed income-tax free death benefit
  • Guaranteed level premium
  • A choice of riders or add-on benefits to customize coverage
  • Permanent coverage
  • 100% return of premium guarantee (for Single Premium Whole Life)
  • Immediate access to principal
universal life insurance

Universal Life Insurance

Universal life insuance is more affordable than whole life insurance and can offer cash value growth, along with features that can give you flexibility as your needs change over the years.

What can it offer?

In addition to lifetime protection universal life insurance offers a unique combination of benefits to help meet your needs, including plan flexibility, access to the cash value, long-term care coverage and tax advantages.

How universal life insurance work?

A portion of your premium payment goes towards the insurance, which includes any fees and death benefit coverage.

The remainder of your premium payment adds to the policy’s cash value, which you can withdraw or borrow against.

You need to work with an insurance professional to buy this type of product. Our life insurance specialists are here to help.

index universal life insurance

Index Universal Life Insurance (IUL)

In addition to lifetime protection, universal life insurance offers a unique combination of benefits to help meet your needs, including Plan flexibility, Access to the cash value, Long-term care coverage, Tax advantages etc.

  • Enhanced growth potential
  • Supplemental retirement income
  • Tax advantages
  • Policy customization
  • Access to the cash value
  • Plan flexibility
  • Long-term care coverage
  • Built-in flexibility (You can adjust your premium or death benefit value)

What is the best life insurance for me?

Each type of life insurance is designed to meet different needs. Get more detail about what’s included in each option to understand which may be right for you and your family.

disability insurance

Disability Insurance

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An annuity is a long-term investment that is issued by an insurance company and is designed to help protect you from the risk of outliving your income. Through annuitization, your purchase payments (what you contribute) are converted into periodic payments that can last for life.

Annuities are flexible, so you can choose one that enables you to:

  • Invest a lump sum or invest over a period
  • Start receiving payments immediately or at some later date
  • Select a fixed, variable or indexed rate of return

investing involves risk, and your investments may lose value. All guarantees and protections are subject to the claims-paying ability of the issuing insurance company, but the guarantees do not apply to any variable accounts, which are subject to investment risk, including the possible loss of principal.

There are several types of annuity products available to choose from. Whether you’re looking for income options, legacy planning tools or spousal protection.

Speak to one of our financial professionals for more details and help selecting a plan that will meet your specific goals.

long term care insurance

Short & Long Term Care Insurance

Short & Long term care is an additional personal assistance you may need to help maintain your quality of life. The right plan may help cover the cost of your short or long-term care while offering you flexibility, choice, and control over how you receive care.

With the right short or long-term care coverage, you can use the benefits to cover home health care to ease the stress on family members. Some coverage options even allow you to use the benefits to pay a family member to provide care.

Planning for your short or long-term care needs? We may help you stay in control and protect what is important to you.

short term care insurance

Group Life Insurance

Life insurance coverage is a great way to take care of your loved ones financially after you pass away. Group life insurance is a specific type of life insurance typically offered by a large organization to its members. Large companies often offer this coverage to their employees as part of its benefits package.

Our professionals are ready to compare rates and provide the best option for your organization.


Partner Carriers

  • Aegis
  • Aetna
  • aig
  • ambetter
  • american modern
  • ameritas
  • amtrust
  • assurity
  • attune
  • biberk
  • bluecross
  • bright health
  • bristol west
  • btis
  • chubb
  • cigna
  • columbus
  • coterie
  • cowbell
  • dentaquest
  • elephant
  • encompass
  • foremost
  • friday health
  • hagerty
  • hippo
  • humana
  • infinity
  • kaiser
  • kemper
  • liberty mutual
  • manhattan
  • markel
  • mutual omaha
  • national general
  • nationwide
  • neptune
  • openly
  • oscar
  • pivot
  • progressive
  • rli
  • rps
  • safeco
  • securian
  • sis
  • state auto
  • the hartford
  • thimble
  • tower hills
  • transamerica
  • travelers
  • united america
  • united healthcare
  • unum