Life insurance gives you the peace of mind of knowing that you can continue to provide for those who depend on you.
Master baker and reality TV star Buddy ‘Cake Boss’ Valastro shares his story about the death of his father and how it has made him a big believer in the importance of life insurance.
You can view more personal stories from people with life insurance and how it helped get them through their difficult times. Click here.
What kind of life insurance do I need?
Term Life Insurance
The most basic type of life insurance, and typically the least expensive is Term Life Insurance, which is an attractive option for many young couples and individuals. Term Life covers you for a specific period of time (such as 15, 20 or 30 years) and pays a death benefit only if you die during the term.
Universal Life Insurance
Flexible and more long-term than term insurance, Universal Life lets you pay premiums at any time, in virtually any amount, subject to certain minimums and maximums. You can also pay premiums in advance and even skip payments in certain circumstances. Over time, you can increase or reduce the death benefit as your needs change.
Whole Life Insurance
Designed to cover you through your entire lifetime, Whole Life builds cash value on a tax-deferred basis. The cash value can be accessed by the policy owner for emergencies, extra income, or college expenses, with any amount withdrawn and not repaid deducted from the policy's death benefit.
ROP Life Insurance
“Return of Premium” Term Life Insurance costs more than a traditional Term Life policy, but offers you the ability to get your premiums paid back to you if you outlive your policy’s term.
We can help.
Our agents can provide personalized advice and objective guidance to help you assess your needs, as well as identify products from industry-leading carriers to help you protect them.