There are two main types of Life Insurance, term and permanent.
Term is simply a basic insurance policy that provides coverage for a limited time period.
Permanent coverage is similar to a term insurance policy but has an additional investment component known as the cash value. Permanent coverage includes variable, universal, and whole life insurance policies.
Both term and permanent insurance offers proceeds that are federal income tax-free and are paid directly to your designated beneficiaries which allows them to avoid the administrative time and costs of the probate process.
We offer Long-Term Care Coverage to help you cover the cost of long-term care for those who are no longer able to perform the basic activities of daily life beyond a predetermined period. Long Term Care coverage usually covers the cost of care not generally covered by health insurance, Medicare, or Medicaid such as at home care, assisted living, adult daycare, respiratory care, hospice care, Alzheimer care, and nursing homes.