Term Vs. Whole Life Insurance.. decisions decisions.. Our Insurance Agency in Action

Term Life Insurance provides coverage for policy holders for only a specific period of time.

After the expiration period the policy holder of term life insurance will no longer have coverage, unless a special prevision type of rider had been applied prior to expiration.

Whole Life insurance is a type of permanent life insurance designed to Secure your family's financial future with a policy that is set up to last a policy owners life time.. We offer term life, whole life, and universal life policies. Our team can help you determine the best coverage amount and type for your situation.

One of the biggest benefits of whole life insurance vs term life insurance is the cash value.  Whole life insurance policy owners can many time borrow against the money they have put into the policy.  While Term Policy holders cannot typically borrow money against any policy cash value.

Stay covered with Life Insurance, ie Indexed Universal Life Insurance (IUL). We offer a variety of plans to fit your needs and budget. Our team can help you navigate the complex Life Insurance system and find the best coverage for you and your family.  IUL Insurance is insurance in which typically the premiums can be invested by the company and the client may get a profit for return.  It may also have cash value for loans whereas the client can be their own bank.  This is an example of a popular term known as infinite banking, where clients build wealth strategies and seek to "be your own bank".