Life Insurance

Not sure which kind of life insurance is right for you? We can help you determine which life insurance product is best for you, based on your short-term and long-term needs and preferences for flexibility and risk.

Term life insurance provides the most coverage for the lowest initial cost.

Permanent life insurance protects you for your lifetime by building savings that you can draw upon later and providing a death benefit.

Participating life insurance is also called whole life insurance. These policies provide permanent life insurance protection with a tax-advantaged investment component. In addition, there is potential for earning policyowner dividends. Participating insurance doesn't require hands-on management by the policyowner. Instead, the company manages the assets backing the cash value and the death benefit.

Universal life insurance provides a traditional life insurance component with a tax-advantaged investment component. You select an investment mix that is as individual as you are, taking into account your financial goals and circumstances and the amount of investment risk you are comfortable with. This type of policy is attractive for people who want to actively manage their life insurance policy.