Life insurance comes in two types – temporary and permanent. Most people have some type of temporary insurance either as a term insurance policy, mortgage insurance, or group insurance policy (likely through work or an association plan like an automobile club).

Permanent Life Insurance
Also known as whole life insurance. A whole life insurance policy covers you for your entire life, not just for a specific period such as term insurance. Your death benefit and premium in most cases will remain the same. Unlike term life insurance, a portion of your premium money goes toward your cash value. Also, your premium will remain constant during the time you are covered unless you choose otherwise. And, unless you make a change to your whole life insurance policy, you have lifelong coverage with no future medical exams.

Universal Life
Universal life insurance provides permanent life insurance protection and access to cash values that grow tax-deferred at competitive interest rates.

Critical Illness Insurance
A serious illness, such as cancer or heart attack, can create a financial burden for your family and drastically affect your life style. Critical illness insurance is designed to ease the financial pressures by paying a tax-free lump sum if you become seriously ill or totally disabled. You must normally survive at least one month after becoming critically ill, before the policy will pay out.

Long Term Care Insurance
Long-term care refers to the many services beyond medical care and nursing care used by people who have disabilities or chronic (long-lasting) illnesses. Long-term care insurance helps you pay for these services, which can be very expensive. A policy also ensures that you can make your own choices about what long-term care services you receive and where you receive them.

Individual Disability
Disability insurance is designed to replace 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.

Employee & Group Benefits
Most organizations believe their employees are a vital asset. But today’s competitive marketplace, combined with a shrinking workforce, has made recruiting and retaining qualified employees increasingly difficult. Offering the right benefit plan has never been more important.

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