Individual Insurance

Individual Term Life Insurance

Protect the ones you love at home with a term life insurance policy that is right for you. Term Life Insurance offers you maximum protection at an affordable price and ends when the term is over. For affordable monthly premiums you can select a coverage amount and term that fits your needs. Should you want to provide for a loss of family income, cover a debt or mortgage, or provide additional insurance protection during child raising years, a term life policy may be the right choice for you.

  • You choose the amount of coverage.
  • You choose the term.
  • We will find the best coverage for you at the lowest rates.

Individual Whole Life Insurance

Whole Life Insurance is a permanent policy and provides protection for your entire life. A whole life policy will provide you with guaranteed premiums (payments staying the same each year), cash value, dividends and a guaranteed death benefit. Often whole life policies are chosen to provide for a family’s loss of income, mortgage costs as well as for access to cash value.

Long Term Care Insurance

Long-term care expenses can quickly deplete a family’s savings. Long-term care is not necessarily medical care but rather custodial care. Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who can not care for themselves. Long Term Care Insurance (LTCi) is designed to provide you and/or your spouse protection in the event long-term care is needed. People are living longer and heath care cost keep increasing. The costs associated with nursing homes, assisted living facilities and home health agencies are staggering and can be financially devastating with proper planning . LTCi helps you fill a potential gap in your retirement planning. Please contact us for more information.
Coverages are all subject to policy provisions per the contract language.

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