Life insurance is a contract that pays out a sum of money upon your death to those you designate as beneficiaries. Life insurance can be used to cover essential expenses after the loss of a loved one, as an investment tool, to fund retirement, or to pay college tuition.

Our Simple Will Kits are basic wills that allow you to outline how you want your material possessions distributed after your death, choose a person to make sure your Will is carried out (personal representative or executor), and even name a guardian for your children.

Mortgage Protection Life Insurance is a term insurance product designed to protect your loved ones if you die before your mortgage has been paid off. It pays out the benefit in a lump sum so they can clear the mortgage debt and have one less financial burden during an already difficult time.

Key person Insurance or “key man” insurance is a life insurance policy that a company purchases on the life of an owner, a top executive, or another individual considered critical to the business. This type of life insurance is frequently used for buy-sell arrangements, under which the proceeds of a policy are used to buy out the deceased owner's interest and compensate their heirs. 

Living Benefits is life insurance that you don’t have to die to use. Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.  Benefits can be used for, but are not limited to, household expenses, adult day care, home modifications, regular bills, nursing home care, and quality of life.

Although retirement is one of the most important life events many of us will face, many fail to plan for it. Retirement planning includes identifying sources of income, sizing up expenses, implementing a savings program, and managing assets and risk. Index Universal Life Products are flexible policies that can assist those who are focused on retirement and long-term wealth accumulation. Planning for retirement, let’s talk about it. All it takes is a little homework, an attainable savings or investment plan, and a long term commitment.