Life Insurance

Life insurance is protection against loss resulting from death. It is an insurance company's promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums.

Why do I need life insurance?

Although you may not think about it, your ability to earn income is a significant asset and life insurance helps replace lost income in the event of your premature death. Here are some reasons people buy life insurance.

The death benefit may be used:

  • To replace income the family would need to maintain their standard of living after the death of a wage earner.
  • To pay off a mortgage loan and other personal and business debts or to create a rent fund.
  • To create a fund for a child's education
  • To pay final expenses, such as funeral costs and taxes.
  • To create a family emergency fund or a fund for a family member with special needs.

Saving Money for Families and Small Businesses

  • Health plans as low as $89 per month
  • Traditional Major Medical or New Fixed Indemnity Health Plans.
  • Life Insurance, Cancer, Critical Illness, Medicare, Long Term Care and other Supplemental Coverage.
  • Flexibility.  Freedom to choose from a wide array of policies and benefit options.
  • Preexisting Conditions Health Insurance
  •  Freedom to choose your providers without a referral.
  • Health Plans with No Deductibles, No Co-Insurance and No Co-Pays.
  • Dental Insurance as low as $15.50.