Protect Your Loved Ones
Provide you with affordable and comprehensive term life insurance coverage that suits your unique needs. With policies designed to fit your budget, we make it easy for you to ensure your family’s financial well-being.
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Why life insurance?
Financial security
If you have dependents, such as a spouse, children, or elderly parents who rely on your income to cover living expenses and future financial goals, not having term life insurance could leave them financially vulnerable to uncertainties.
Debt Burden
If you have outstanding debts, such as a mortgage, car loans, or credit card debt, not having term life insurance means that your debts may become a burden on your family if you pass away. Term life insurance can help cover these debts and prevent your loved ones.
Education Costs
This would be challenging for you to afford education expenses if you’re no longer there to contribute financially. A term life policy can help ensure that your children’s educational goals are still attainable.
Peace of Mind
Knowing that your loved ones will be financially secure in the event of your passing can provide peace of mind. It allows you to focus on your life without worrying about the financial implications of unexpected events.
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Mortgage Protection
Ensures that your mortgage payments are always met on time, even in the face of unexpected tragedy.
Universal Life Insurance
Provides a depth of coverage that is both flexible and permanent. Living benefits and protection against the unexpected.
Term Life Insurance
Provides affordable protection, often covering 10-30 years, that provides both long-term clarity and security.
Final Expense
Provides your family peace of mind knowing that funeral or memorial, cremation and burial service expenses will be covered.
Disability Insurance
Protects your income in the event of disability. If you or your spouse were injured, and unable to work, what would be your game plan?
Critical Illness Insurance
Protects the funds needed to support you or your loved ones in the event of prolonged illnesses.
Retirement Insurance
Ensures that your mortgage payments are always met on time, even in the face of unexpected tragedy.
SmartStart Insurance
Creates a foundation of long-term financial security that can create your family’s legacy and fund your children’s education.
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Frequently asked questions
Like other types of life insurance, you apply for coverage, then the policy is in force when you begin paying premiums. If you die during the policy term, your beneficiaries receive a benefit.
Term life insurance provides a cash death benefit that can be used to pay off your expenses if you were to die unexpectedly.
Term life insurance is generally affordable, and, in some cases, you can convert your policy to permanent life insurance if you choose. Some term life policies may include a return of premium option, so if you don't use the benefit, you get your money back.
Yes! Term life insurance is generally the least expensive type of life insurance.
Most healthy people will qualify. You may still qualify if you have pre-existing health problems, though your premium might be higher. Some policies are simplified issue, meaning you shouldn't need a medical exam to qualify.
Rates are based on your age and health at the time you apply for coverage, so the sooner you apply, the better your chance at locking in a low premium.