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Life Insurance

When you buy individual life insurance, you want a policy which fits your needs without costing too much. We can help you decide how much you need, what kind of policy you want, and how much you can afford to pay. One way to decide how much life insurance you need is to figure how much cash and income your dependents would need if you were to die. Life insurance can provide cash for last expenses, and income for your family's future living expenses.

Choosing The Right Kind

The kind of life insurance you purchase is dependent on the need you are trying to satisfy. There are two main kinds of life insurance:

• Term Life Insurance
• Whole Life Insurance

Term Life Insurance

Term insurance satisfies temporary needs such as the need to finance your children's education or the need to meet mortgage payments in case of your premature death. Term insurance is paid out only if you pass away within a predetermined period of time. A term life policy can be in effect for five, ten, or twenty years and so on. Because of this time limit, term policies are much less expensive than whole life policies.

Whole Life Insurance

Whole life insurance gives you death protection for as long as you live therefore it's more expensive than term insurance. Whole life insurance policies develop "cash values ", which you can receive in cash, use towards buying more protection, or just paying the premiums for your current policy. You can also borrow the cash value or use it as collateral for a loan.

After you have decided which kind of life insurance fits your needs, we can help you get a good buy. We deal with all the top rated life insurance carriers.

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