Life Insurance Quote

Which life policy is right for you?

Select Term – Select 10, 20, or 30 years of coverage and a guaranteed benefit.  The affordable premiums remain the same for the selected number of years.  At the end of the period (term) the premiums will increase annually, but you’d be better off to take out a new policy with new underwriting. 

Return Of Premium – Similar to Select Term, your coverage and premiums will not change, for 20 or 30 years.  If you outlive the premium period, all policy premiums you’ve paid over the last 20 or 30 years will be returned to you.

Permanent Life (a.k.a. Universal & Whole Life) – Premiums are paid into your lifetime insurance policy.  Premiums can be made and paid up in 10 years, 20, years, or any time period to fit your needs.   This policy is designed to be permanent coverage (until death).   With permanent insurance this supports a legacy of wealth to pass onto future generations, and a Long Term Care (LTC) rider may be added and highly recommended (when available).