Life Insurance

To plan for the future means to make certain commitments today. Life insurance is a crucial element of family planning because it ensures the financial security of the beneficiaries after the policyholder's death.


Everyone has a "LIFE STORY"...with a beginning and an end.  When it comes to your family's future, you don't take chances.  A life insurance policy provides you and your family with peace of mind. After all, it's nice to know that your loved ones are protected and can benefit from the fruits of your labor so they can invest in their own future after you're gone.  You need life insurance coverage that is guaranteed to be there when you need it most.


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Living Benefits Plus Death Benefits

in One Simple Solution 

What if you survive a heart attack, stroke or are diagnosed with cancer?

What if you can no longer care for yourself without assistance?

How will you and your family protect your financial assets and lifestyle?


According to the Center for Disease Control (, Chronic diseases - such as heart disease, stroke, cancer, diabetes, and arthritis - are among the most common and costly of all health problems in the U.S., and are also the leading causes of death and disability.


What Living Benefits Can Bring to Your Life

If you are diagnosed with a chronic, critical or terminal illness, a life insurance policy with Living Benefits allows you early access to your death benefit, while you are living, to:


  • Pay for care or treatment that may not be covered by your health insurance plan or by Medicare.
  • Replace income lost as a result of your illness
  • Pay for transportation expenses and home modifications
  • Provide for in-house care or facility needs


And, any death benefit value not used as a living benefit will go to your loved ones after your death.




In today's world, both men and women may contribute substancially to the family's income.


While it has become common practice for men to obtain life insurance to help financially secure their dependents in the case of an untimely death, many women equally share this need to protect their family from financial hardship.


Why should women purchase life insurance?

  • Women often contribute an essential part of the family income.
  • Single mothers may have financially dependent children.
  • Women, as caregivers of children or eldery parents, significantly contribute to a family's economics.
Women, Money and Power Study: Empowered and Underserved
Women, Money and Power Study.pdf
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We also consult on the following life insurance policies:

  • Term life insurance, including Return of Premium Term
  • Permanent life insurance, including:
  • Whole life, universal life, limited pay, and endowment
  • Second-to-Die and Survivorship life insurance
  • Business Owner and Key Man life insurance
  • Accidental life insurance
  • Final Expense Plans