Life insurance is all about protecting your family.

One of life's rewards for working hard and saving for a rainy day is achieving financial security.  One of life's realities, however, is the possibility of premature death, leaving financial responsibilities for the loved ones left behind.

There is a solution...life insurance.  Only life insurance can create an immediate cash fund for loved ones.  So, even if death is premature, financial security for your family is possible.

What Types of Life Insurance Are Available?

Permanent insurance is designed to provide life-long coverage with benefits and features usually not available with term life insurance policies.  Cash value is available for emergencies, family members can be included and coverage premium payments generally remain level.  The following permanent programs are available:

Universal Life Insurance - provides immediate cash value, flexible premium payment plans, tax deferred savings and guaranteed death benefits.  Can be custom designed to fit individual protection needs, financial security needs and supplemental retirement needs.

Whole Life Insurance - Provides level death benefit protection with level premiums and guaranteed cash values.  Our Whole Life Insurance can provide needed cash value for emergency family needs and can help supplement future retirement income.

Simplified Issue Whole Life - This plan offers guaranteed premiums, death benefit protection and cash values to age 100 for insureds age 50-80.  Provides coverage for final expenses, such as medical and hospital expenses, outstanding debts and funeral costs.  Easy to complete short form application with minimal underwriting requirements.

Term Insurance provides coverage for a specified period of time, such as 10, 20 or 30 years.  It is designed to protect short-term needs such as debt obligations, mortgages or protection while children are young.  Typically, term insurance does not provide cash value.  The following term products may fit your needs:

10, 20 and 30 year level-term - These program provide level death benefits for either 10, 20 or 30 years.  They can include guaranteed premium and renewal benefit at the policyholder's option.

Yearly renewable term insurance - Provides protection for one year at a time.  Premiums are adjusted each year coverage is continued.

Mortgage Decreasing term insurance - Provides decreasing death benefit protection for a specified term of 10, 15, 20, 25 or 30 years.

Simplified Issue 5 Year Level Term Insurance - This plan provides low-cost level death benefit protection for short-term needs such as debt obligations.  Easy-to-complete short form application with minimal underwriting requirements.

Note:  Coverage or discounts may not apply in all states.  Some exclusions and limitations may apply.

Optional Benefits

Most of our Life Insurance products can include these optional additional benefits:

Disability Waiver of Premium - waives premium payments (or cost of insurance charges if Universal Life Insurance) if the insured becomes disabled for six months or longer.

Accidental Death - provides additional death benefits should death occur as a result of an accident.

Family Plan - insured's spouse and/or children can be added for life insurance protection.

Mortgage Payment Disability Benefit - provides money to continue making debt obligation payments if the insured becomes totally disabled for 60 days or more.

Payor Death and Disability - this additional benefit waives the premium payments (or cost of insurance charges if Universal Life) on a child's policy if the premium payor becomes disabled or dies.

Guaranteed Purchase Option - provides opportunities to purchase additional life insurance protection at certain ages without proving insurability.

Note:  Coverage or discounts may not apply in all states.  Some exclusions and limitations may apply.

Regardless of which program fits your specific needs, our products are among the best in the industry.  We pride ourselves in providing high quality, fairly priced life insurance, disability income, long term care and annuity programs.