Term Life, Universal Life & Whole Life

Term life Insurance offers competitive premiums as it only covers specific periods of time. Clients select the term length they need as well as the coverage, or face, amount of the policy. For example, a client can choose a 25-year term life policy, in order to maintain your family’s standard of living until your children are out of school.

Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change. The death benefit is tax-free and growth in account value is tax-deferred.

Whole Life Insurance has been around for generations, providing security and financial growth for families throughout their lifetimes. In addition to paying a death benefit, Whole Life is also a value builder. Clients can access the cash values that accumulate in the policy during their lifetime to fund vital needs such as a college or a new house.

A few of the companies we partner with: Aetna, Mutual of Omaha, United Healthcare, Blue Cross Blue Shield of Illinois, Cigna, WellCare, and Humana.