Life Insurance

Create a lifeline that will last a lifetime

We know you can’t put a dollar amount on your family, but you can ensure their future is protected. And though costs are a real concern for most people considering life insurance, it never costs as much as you think.


We all have busy lives, life insurance shouldn't be a lengthy arduous process. Discuss your quotes and sign your application from the comfort of your own home. 

Want to skip the medical exam? Ask us about Express Life; no needles, no exam, and instant coverage.


The right coverage for your exact need, prepare for the invadable with honest advice.

Term Life

Term Life

  • Cover a need for a specific amount of time (5, 10, 15, 20, & 30 years)
  • Less expensive
  • Convertible to Whole Life
  • Most used to cover mortgages, school loans, buy/sell agreements, car loans
Whole Life

Whole Life

  • Covers the insured for the course of their life
  • Cash value of policy builds over time
  • Long Term Care coverage available
Universal Life

Universal Life

  • Covers the insured for the course of their life or a specific amount of time
  • Cash value asset builder
  • Guaranteed and non-guaranteed interest
  • Long Term Care Coverage available
  • Best option to leave a legacy

Additional Riders

  • Accelerated Death Benefit: This rider will provide a lump sum benefit if the insured is diagnosed as terminally ill and expected to pass within the next 24 months. 

  • Waiver of Premium Benefit: After satisfying a 180-Day Elimination Period, this rider will waive all premiums due on the policy for as long as the Insured continues to be totally disabled.

  • Guaranteed Insurability Option Rider: This rider allows the Insured to purchase additional coverage without evidence of insurability at ages 25, 28, 31, 34, 37, 40, 43 and 46.

  •  Long-Term Care Accelerated Death Benefit Rider: After satisfying a 90-Day Elimination Period, this rider accelerates a set % (2%, 4%, or 8%) of the policy’s death benefit every month for as long as the Insured meets the definition of Chronic Illness. A physician must certify, for a period of at least 90 days, the Insured is unable to perform 2 of 6 Activities of Daily Living (bathing, continence, dressing, eating, toileting, transferring)

  • Purchase Option Rider: Add the Long-Term Care Accelerated Death Benefit Rider to a new permanent plan at time of conversion without evidence of insurability. (Without this rider, a LTC Rider may be added at time of conversion but will be subject to underwriting.)