Our Solutions for Life Insurance

Term Life Insurance

Provides affordable coverage you need for the specific period of time you need it. You choose the available term that works best for your needs. *

Who buys term life insurance?

People who, at death, want to:

  • Pay off their family's home mortgage
  • Provide an emergency fund for their loved ones
  • Pay off personal debts
  • Help provide for a child's education fund

Whole Life Insurance

Features long-term protection with premiums that are guaranteed to never increase. This policy pays a benefit upon the death of the insured and may also build cash value.

Who buys whole life insurance?

People who, at death, want to:

  • Cover final expenses
  • Supplement existing life insurance coverage
  • Provide a gift for an important young person

Universal Life Insurance

Designed to last your entire lifetime, to build cash value and to pay a benefit upon the death of the insured. You have the flexibility to customize your policy and premium payments to meet your needs both now and in the future.

Who buys universal life insurance?

People who, at death, want to:

  • Help replace lost income at death
  • Access tax-deferred cash value for retirement or education expenses
  • Develop an estate or business plan **

* After the level term period you can renew your policy for one-year periods as long as you don’t exceed age 94 at the time of renewal. The policy expires on the policy anniversary date following the date you attain age 95.

** Consult with a professional tax and/or legal advisor before taking any action that may have tax or legal consequences.

Other Products

Children’s Whole Life Insurance

Allows you to give the gift of long-term protection for a child or grandchild up to age 17. Premiums are guaranteed to never increase. This policy pays a benefit upon the death of the insured and may also build cash value.


Who buys children's whole life insurance?

Parents and grandparents who want to:

  • Lock in a low premium payment that will never increase
  • Guarantee insurance coverage in adulthood regardless of future health or occupation
  • Protect the child’s ability to purchase additional future coverage without proof of ability to qualify
Accidental Death Insurance

Helps provide financial support for your loved ones if you die in a covered accident. It is affordable coverage, with an easy application process. Coverage is guaranteed so you cannot be turned down.


Who buys accidental death insurance?

People who want to:

  • Supplement their life insurance coverage
  • Help provide for family should they die in an accident
  • Contribute to a plan of financial protection for their families, even when their health or occupation doesn’t allow them to qualify for other forms of life insurance coverage
  • Help protect their loved ones without being subject to medical exams

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