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Simply put, term insurance is life insurance set for a fixed period of time. You may select term life insurance for periods of time ranging from 10 to 30 years depending on your age and health. Many term life insurance plans can even be purchased without the need for a physical exam.

To adapt to a family's changing needs, most in-force term life insurance policies may be converted to permanent life insurance or whole life without additional evidence of insurability.

Many people's needs may vary, even within the term life insurance category. We offer term product choices - so that the term coverage you select best matches your needs.

Of course, with the selection of different life insurance policies, you must carefully consider your own financial situation, and be aware of the many alternatives available to you. No single life insurance product design may have all the features you find desirable. Therefore, it is important to understand the features available to make the best decision for you and your family.

Term Life Insurance is temporary insurance and is for people who want:
  • To supplement life insurance that your work may provide.
  • A fixed benefit amount for a specific period of time.
  • Competitive, affordable premiums.
  • A death benefit protection with a Return of Premium Option.
  • An insurance policy that offers additional coverage options such as critical illness and disability insurance.


Universal Life insurance is a permanent life insurance with flexible premiums and adjustable benefits. It can accumulate values beyond the guaranteed cash value. In addition to its cash values, which can be used for children’s educations, it can supplement retirement income and be used for incidental expenses. Universal life insurance is flexible enough to change and adapt as your needs may vary.

Universal life insurance is considered to be the most flexible type of life insurance. UL policies, as they are often called, provide both premium flexibility and death benefit flexibility. This freedom allows the adjustment of your policy according to your life insurance needs. Universal life insurance also offers the ability to accumulate cash value under the policy on a tax-deferred basis. Many of our UL policies are offered with limited underwriting, and normally there are no physical exams required to qualify.

Universal Life Insurance is for people who want: 
  • Lower-cost life insurance (compared to whole life insurance).
  • No-Lapse Protection.
  • A tax-advantaged savings element that provides a cash value with a guaranteed minimum interest rate.
  • Flexibility to adjust your premium payment and death benefit as your needs change.
  • Favorable loan features

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