Life Insurance... the selfless gift.

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. Life insurance can create an immediate cash fund for loved ones. So, even if death is premature, financial security for your family is possible.

Permanent Life Insurance

​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.
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Universal Life Insurance
Provides immediate cash value, flexible premium payment plans, tax deferred savings and guaranteed death benefits. Universal Life programs can be custom designed to fit individual protection needs, financial security needs and supplement retirement needs.

Whole Life Insurance
Provides level death benefit protection with level premiums and guaranteed cash values. 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 110 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.

Simplified Issue Children's Whole Life
​​This plan offers guaranteed premiums, death benefit protection and cash values to age 110 for insureds 15 days through age 17. The death benefit will increase automatically 50% at age 18 and then again at age 25, with no increase in premium.