life insurance

 There are two main types of life insurance on the market today – term and permanent life insurance. Term coverage is one of the most recognizable types of insurance. It provides short-term coverage at an affordable price. It also gives the flexibility of varying policy lengths and provides a death benefit if the insured dies during the coverage period.   

 Although there is definitely a need for term life insurance, increases in life expectancy provide a good chance you may outlive your term policy. Permanent life insurance has many benefits, including a death benefit for when the insured dies, but does tend to be more expensive. Depending on your financial goals, it may be a better option.  

 Your needs evolve as you age. Has your financial strategy evolved as well? Life insurance can provide cash at the time that it might be needed most – death. But did you know that the death benefit could help you while you’re living?
An accelerated death benefit can provide cash for a serious illness without liquidating assets. It allows the policy owner to receive a portion of the death benefit if the insured has a qualifying illness.* Plus, it’s an unrestricted benefit — the money can be used for any purpose. Would you need to sell assets to cover the cost of extended nursing care or the high cost of treatment? It's time to discuss your options and determine your plan. 

  Life insurance policies are not just about the death benefit. Today's life insurance policies are a truly versatile financial tool that provides you peace of mind if you die too soon, or live too long.Let us show you how you can benefit.