Term Life Insurance
Coverage for a “term” or period of your life
Least expensive for higher coverage
No equity – cannot be used as cash value
Whole Life Insurance
Permanent, not for a specific period.
Protection carries with you your whole life.
Can build equity and have cash value.
Higher premiums than term life, but can be more valuable in the long run.
Universal Life Insurance
Payments made above costs will be credited toward cash value
Flexible Premiums- ability to put more or less in the policy
Typically less expensive than an equivalent 'Whole Life" policy
Fixed Index Universal Life
Same Benefits as Universal Life
Potential to accumulate cash value
based on positive changes in an external market index
The Companies we Individually Represent
(There may be additional companies not listed that we are contracted with and can make their products available)
American General Life
American National Life
Aviva Life & Annuity
Companion Life (NY)
Hartford Life Insurance Co
John Hancock Insurance Co.
Life of the Southwest
Lincoln Benefit Life
Minnesota Life Insurance Company
MetLife/General American/New England
North American Company
Sentinel Security Life
Sun Life Assurance
Transamerica Life Insurance Co
United of Omaha