Life Insurance

Providing for your family's needs when a crisis upends your original plans.

When Choosing Life Insurance

What Is Term Life Insurance

Term life insurance offers temporary financial protection — usually five to 30 years — for a low, fixed cost. This type of life insurance is best for meeting short-term financial needs, like paying off debts, replacing your income, covering childcare costs and funding your child’s education.

What About Whole Life Insurance

There are three types of Permanent Life Insurance: Whole Life, Universal Life, and Variable Universal Life. Permanent Life Insurance differs from Term Life Insurance as Permanent Life Insurance builds equity. It can be compared to the difference between renting your home and buying your home. Permanent Life Insurance is designed to be active throughout your lifetime.

Life Insurance Is For Those Left Behind

The purchase of life insurance is one of the most selfless acts you can make for your family. In case of the event of your untimely passing, the death benefit is paid to your loved ones, (beneficiaries) without tax implications. The death benefit can be used in any way your beneficiaries see fit. It allows your loved ones to continue living (at least monetarily) in the way they had become accustomed.

How Much Insurance Is The Right Amount

This is the question that life insurance “experts” have batted around for years. There is an old cliché, 10x’s your annual pay. In my opinion, the right amount differs from person to person. You could probably never error with too high of a death benefit, but too high of a premium/cost is not what you want either. It’s always best to communicate what you want the insurance to do for your family and proceed from there. 

Peace Of Mind Through The Unexpected

Who will care, if you're not there?

Help For When Your Family Needs It Most

Life Insurance is a safety net for your spouse and/or children to ensure that they are taken care of in your absence. It creates a certain calm for many when some elements of the unpredictable are managed for your family.
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Learning Center FAQ's

The beneficiary of a life insurance policy is the person who receives the payout or death benefit upon the death of the insured.
The contingent beneficiary, (Also known as a secondary beneficiary) is the backup to the primary beneficiary.

You may designate a trust as your beneficiary. There are advantages and disadvantages when listing your beneficiary as a trust. It is always a good idea to meet with a financial advisor when making your beneficiary designations.

In general, it is a good idea to look at your life insurance annually to be sure you are attaining the goals originally set forth with the life insurance. I also recommend after major life events should trigger reviewing your life insurance needs.

I knew purchasing life insurance was the right thing to do for my family.  Brendon helped educate me on the type of insurance to fit our needs and budget.  He was always available to answer my questions.