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 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 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.