Life Insurance - In Depth
Final Expense Plans:

Life insurance that covers funeral expenses which guarantees:
  • Locked-In Premium
  • Non-Cancellable
  • Death Benefit
  • Possible Cash Value
* Individual /Family and Group Coverage Is Available *
Guarantee Issue Plans:

Life insurance that covers anyone regardless of pre-existing health conditions. No medical questions
asked. Typically, a low benefit coverage plan. Acceptable Conditions:
  • Diabetes
  • Heart Attack
  • Stroke
  • Cancer
  • And Others
Juvenile Plans:

Life insurance for children that typically starts off as a term policy, but changes over to whole life
coverage after a certain period of time. This coverage offers an affordable way to cover children while
they are young, but guarantees coverage for life. Features include:
  • Fixed, Level Premiums
  • Guaranteed Death Benefit (that will not decrease)
  • Permanent Protection
Term Plans:

Life insurance that was developed to provide temporary protection for limited budgets. These plans offer
a stated death benefit for certain amount (or term) of time. These are the simplest forms of life insurance.
Since term insurance can be purchased in large amounts for a relatively small initial premium, it is well
suited for short-range goals such as life insurance coverage to pay off loans, or providing extra life
insurance protection for the child-raising years. Features include:
  • Initial Affordability
  • Adjustable Premiums
  • Renewability
  • Conversion to Whole Life
Whole Life Plans:

Permanent life insurance coverage for as long as you live and continue to make timely premium payments.
With level premiums and the accumulation of cash values, whole life insurance is a good choice for long-
range goals. The guaranteed cash values can provide money later on to help with temporary needs or
emergencies. Features include:
  • Premiums are generally level and payable for life
  • Dividends
  • Guaranteed Cash Values
Please feel free to contact us with any questions or
concerns that you may have. We would be glad to help in
any way that we can!