Life Insurance
You probably insure your home, your car, your
possessions. But is your life insured?
Almost everyone needs life insurance. If you, your
spouse and children don't have enough, your family's
future could be at risk.
-Group Term Life Insurance-
*Higher coverage amounts at lower premiums based on
group rates. Usually with little or no medical
information.
*Sometimes portable at same low group rates. Convertible
to individual whole life insurance.
-Individual Term Life Insurance-
*Higher levels of coverage for lower premiums,
especially at a younger age when the need for protection
often is greater.
*Good for specific short-term needs, such as covering a
mortgage or auto loan.
-Individual Universal Life Insurance-
*Protection that accumulates cash value with flexible
premiums.
*Interest rates vary but never go below a guaranteed
minimum.
-Individual Whole Life Insurance-
*Permanent protection that accumulates cash value.
*Guaranteed level premiums, death benefit and cash
value.
