An experienced independent broker who represents multiple insurance carriers can make a huge difference in what you pay for coverage.
We'd be happy toevaluate your current coverage and present you with side-by-side comparisons ofalternatives
No matter whatyour age or health, it`s absolutely essential to have a plan in place that will protect your loved ones when you are no longer able. Our inside knowledge ofmany companies and many products will work to your advantage. In fact,different insurance companies often charge vastly different premiums for theexact same coverage. As independent brokers, we are not employed by oneparticular company
Term Life | Universal Life Insurance | Whole Life | |
Needs it helps meet | Income replacement during working years | Wealth transfer, income protection and some designs focus on tax-deferred wealth accumulation | Wealth transfer, preservation and, tax-deferred wealth accumulation |
Protection period | Designed for a specific period (usually a number of years) | Flexible; generally, for a lifetime | For a lifetime |
Cost differences | Typically less expensive than permanent | Generally more expensive than term | Generally more expensive than term |
Premiums | Typically fixed | Flexible | Typically fixed |
Proceeds paid to beneficiaries | Yes, generally income tax-free | Yes, generally income tax-free | Yes, generally income tax-free |
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