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Types of Life Insurance Plans

    Term Life Insurance

Term life insurance covers the financial risk of death for a specific number of years (term) at a level premium cost.  The term periods available are typically 5, 10, 15, 20 and 30 year lengths. Term life insurance builds no cash value, it is insurance only.  This protects against the disruption of a family’s finances upon the death of a head of household or spouse by replacing the value of an individuals future income stream.

    Return of Premium Option

This is a new option for term life insurance.  This extra benefit provides for the return of total premiums paid for the policy at the end of the term period.  If you don’t use it, you get your money back!

    Permanent Life Insurance

Permanent insurance provides protection for your entire life.  This type of plan is generally more costly than term life insurance.  If you don’t plan to keep the policy for many years, consider going with a term plan. Cashing in a permanent short-term policy after only a few years could be costly.

Before purchasing a life insurance policy, you should consider your financial situation and the standard of living you want to maintain for your dependents or survivors.



We offer a wide range of flexible life insurance plans designed to fit your life.
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