Life Insurance Coverage
Secure your family's financial future with comprehensive life insurance protection and peace of mind.
What's Covered
Comprehensive life insurance benefits to protect your loved ones' financial security
Death Benefit
Tax-free lump sum payment to your beneficiaries to cover expenses and maintain their lifestyle.
Terminal Illness Rider
Access a portion of your death benefit early if diagnosed with a terminal illness with limited life expectancy.
Accidental Death Benefit
Additional coverage that doubles or triples the death benefit if death results from an accident.
Child Riders
Affordable coverage for your children that can be converted to their own policy when they reach adulthood.
Waiver of Premium
Your premiums are waived if you become totally disabled, keeping your coverage in force without payments.
Cash Value Growth
For whole life policies, build tax-deferred cash value that you can borrow against or withdraw.
Choose Your Plan
Select the life insurance plan that best protects your family's financial future
Term 10 Year
Short-term coverage for temporary needs and budget-conscious families
- $250K death benefit
- 10-year level premium
- Renewable option
- Conversion privilege
Term 20 Year
Ideal coverage for families with children and long-term obligations
- $500K death benefit
- 20-year level premium
- Accelerated death benefit
- Conversion option included
- No medical exam required
- Living benefits available
Whole Life
Permanent coverage with cash value accumulation and guaranteed benefits
- $250K guaranteed benefit
- Lifetime coverage
- Cash value growth
- Policy loans available
- Dividend payments
- Tax-deferred growth
Life Insurance FAQs
What's the difference between term and whole life insurance?
Term life provides coverage for a specific period (10, 20, or 30 years) at lower premiums. Whole life provides permanent coverage for your entire life and builds cash value, but costs more. Term is ideal for temporary needs, whole life for lifelong protection and wealth building.
How much life insurance do I need?
A common rule is 10-12 times your annual income. Consider your debts, mortgage, children's education costs, and spouse's income. Our calculator and agents can help determine the right amount for your family's specific needs.
Can I convert my term life insurance to whole life?
Yes! Most of our term policies include a conversion option that allows you to convert to whole life insurance without a medical exam, usually within the first 10-20 years of the policy. This is valuable if your health changes or you decide you need permanent coverage.
Do I really need a medical exam?
We offer no-exam policies for coverage up to $500K with simplified underwriting. For larger amounts, a medical exam may be required but helps secure lower premiums. The exam is quick, free, and can be done at your home or office.
Protect Your Family's Future Today
Get a free life insurance quote in minutes and secure peace of mind for your loved ones.