Term
Permanent or Whole Life

Term Life Insurance

Term Life Insurance is typically best-suited to an insurance need of a known duration. You can purchase:

Annually Renewable Term Insurance - The cost increases each year, or,

Level Term Insurance - You select the period of protection - 5, 7, 10, 15, 20 or 30 years.
During the time selected, neither the benefit nor the cost will change.

Permanent Life Insurance

Permanent Life Insurance (Whole Life) includes a savings function. Your savings grow on a tax-deferred compound basis and plans are typically designed so that your premiums remain level throughout your life time.

Which Is Best?

Young Children - Whole Life Insurance

Why?

• Lock-in insurability at a young age
• Extremely low cost
• Significant build-up of policy cash values
• Ability to increase protection during the adult years based on initial underwriting

Young Adults - Level Term Insurance or Whole Life with a Term Component

Why?

• The premature death of a family wage-earner may
  deprive a family of significant income. Low cost
  term insurance can replace this potential lost income
• Blended Whole Life (Whole Life with a Term Component)
  is a cost-effective means for obtaining whole life
  insurance protection

Older Adults - Level Term Insurance

Why?

• No cost surprises - a fifty year old can
  "lock-in" insurance protection and costs to age 70 or beyond

Forms for insurance quote:
Confidential print and mail form
Secure electronic submission form