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Family at a Beach

We offer various types of life insurance policies to help protect you and your family.  Which type of life insurance policy is best for you depends on why you need it, your budget and who you are trying to cover.  Schedule an appointment with us today and one of our licensed advisors will be able to clearly explain and provide you with your best options and lowest prices.


Policy Types

Term Life Policy

Term life insurance provides coverage at a fixed rate of payments for a limited period of time, typically 10, 20 or 30 years.  This is the most inexpensive life insurance coverage.  We also offer a  Return of Premiums policy.  With this type of policy, if you out live your term years set, at the end of the term you will receive back all of your payments made.

Whole Life Policy

Whole life insurance is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.  It also offers cash value benefits that increase over the term of the policy.

Universal Life Policy

Universal life insurance is a type of permanent life insurance coverage, offering both a death benefit and a cash value component.  The cash value component earns interest based on a money market rate of interest or, for some types of universal policies, a rate that’s tied to a market index.  There are multiple types of coverage including indexed universal life, variable universal life, and guaranteed universal life.


At Skynet Brokers, we understand that finding the right life insurance plan can be confusing and intimidating. Our experienced team of professionals are ready to answer your questions and help you find the perfect plan. Schedule an appointment today and take the first step towards protecting your life.

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