Life insurance & Annuities

Term life insurance provides a death benefit which pays the beneficiaries of the policyholder throughout a specified period of time. 

Term life guarantees payment of benefits to the beneficiaries if the insured person passes away during the specified time.

Whole life insurance provides financial protection for loved ones in the event of the death of the policyholder.

Whole life policies also include a cash value savings account, and as your account grows, you may be able to make withdrawals and loans against your cash value while you're alive.

Final expense insurance is for older adults who wish to purchase insurance to cover end-of-life expenses including funeral arrangements and any remaining medical or legal expenses which will need to be settled by their beneficiary.

In exchange for payments during an accumulation period, the insurer promises to make regular income payments to the policyholder in the future. Annuities are designed to provide a steady cash flow for people during retirement.