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Life Insurance

There are many ways you can protect your financial future, but few are as important as purchasing a high-quality life insurance policy. In the event of an untimely death, the benefits from a life policy can help ensure that a family keeps its home, a child receives an education, a retirement is fully funded or a family business keeps its doors open.

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. There are two basic types of term life insurance policies: level term and decreasing term. Level term means that the death benefit stays the same throughout the duration of the policy and Decreasing term means that the death benefit drops, usually in one-year increments, over the course of the policy’s term.