Term life insures you for a specific period, usually 10, 20, or 30 years. During that time, if something were to happen to you, the insurance pays out a sum of money to your family.

Whole life insurance is more like owning a permanent safety net that covers you your whole life. It also comes with a bonus savings feature – a portion of your payments goes into a savings account that grows over time.

Term life is beneficial in many ways, the right answer is customizing it to your needs. Our agents will walk you through a very quick and easy needs analysis to determine what the right term is for you.

Term serves multiple purposes: Income Replacement, Debt & Expenses, Estate Planning, Business Continuation and more.

Whether or not you need life insurance depends on your individual circumstances and financial goals. Here are some factors to consider when deciding if life insurance is right for you.

• Do you have dependents?
• Do you have significant debt and financial obligations?
• Are you the primary breadwinner in your household?
• Proper estate planning, after your death.
• Do you own a business? How do you allow your business to continue after your death?
• Do you have financial goals or retirement planned out?
• Health and age:
  • Cost of insurance is fully dependent on your age and health. The younger and healthier you are, the less expensive it is.
  • The older and more health related issues, the more expensive it can be.