LIFE INSURANCE

Choosing the Right Life Insurance - With the help of a licensed U.S. Insurance Agency Professional, you can design an insurance plan that is flexible and affordable - a customized plan that will meet your budget and needs and help you reach your goals.

Term Life Insurance

Provides economic protection for a specified period (or "term") at a specified rate . Term insurance is perfect when your needs are temporary and when you need protection until a debt, such as a mortgage or a business or education loan is paid off. Generally speaking, if your need for protection lasts ten years or less, or will cease entirely before age 60, term insurance is an intelligent buy. Term insurance is normally the better buy for the younger age groups and for the short run. It makes the ideal choice when you're young, just starting out, and on a strict budget, since it allows you to buy the full amount of coverage you need at an affordable price.

Whole Life Insurance

Whole Life insurance, on the other hand, provides permanent protection, coverage for your entire life. "Whole life" insurance offers a level or fixed premium that is guaranteed never to go up, because it averages insurance costs over your lifetime. In the early years, therefore, premiums are higher than the amount required to pay only for pure death benefit protection.