It's never too early to think about life insurance
. No matter what your age is, life insurance can help provide monetary death benefits when you die to those you love and designate as beneficiaries, such as your spouse, children or siblings.
The main types of coverage we offer are:
- Level Term Insurance provides a constant death benefit amount of insurance for a specified period of time;
- Decreasing Term Insurance provides a face amount which decreases over the term of coverage. This may be used, for example, to cover the decreasing amount of a home mortgage;
- Whole Life Insurance provides permanent life insurance protection through age 100. A permanent or whole life policy accumulates cash value;
- Flexible Premium Life Insurance, is designed as a permanent life policy allowing the policy owner to vary the amount and timing of premium payments (subject to satisfying policy premium minimums to keep the policy in force), and increase or decrease the death benefit (subject to underwriting for an increase and policy minimums for a decrease).