Policy Information

Whole Life 

Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. 

This policy has a cash value aspect.

Term (ROP)

Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.  The Term Policy is a policy that has an end date, it is written in 10, 20 and 30 year increments.  Consumers like Term policies because it is a much cheaper policy for the benefit amount. Term policies also come in ROP - Return of Premium.  When an Insured outlives the term the Insured received a percentage or 100 percent of their premium depending on the company,

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Accidental Death

Accidental Death is a death benefit that can be a stand alone policy or it can be added to a policy as a rider.  This policy only pays the benefit amount in the case of an accident.

Guaranteed Issue

Guarantee Issue policy pays cash to the named beneficiary upon the death of the named insured.  This policy is issued with no medical exam for underwriting.  The premiums are higher and the benefits are lower.                  

Universal Life 

Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

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