Life Insurance

Life Insurance Family

Life Insurance provides your loved ones with the protection they will need in the future. 

Term Life Insurance

  • Provides life insurance protection for a specified period of time.

  • Easiest and most affordable policy to buy.

  • When purchased with a Return of Premium Rider, the entire sum of the premium money will be returned to you at the end of the term (tax free), if the policy has not been claimed.

  • Can be used as additional coverage with a permanent insurance policy.

  • There is an option to convert your Term Life Policy to a Whole Life policy, once the term has expired.

Whole Life Insurance

  • Permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Provides death benefits as well as a cash value accumulation that builds during the life of the policy.

  • A portion of the cash value can be withdrawn or borrowed during the life of the policy.

  • Initially has more expensive premiums than a Term Life Insurance policy, but may save you money over the life of the policy if it is kept for a considerable number of years. 

Universal Life Insurance

  • A form of permanent life insurance.

  • Provides flexible premiums, face amounts and unbundled pricing structure.

  • The premiums and death benefits can be reviewed and altered as a policyholder’s circumstances change.