You Don’t Buy Life Insurance Because you are Going to Die, but Because Those you Love are Going to Live.

The hardest part about buying life insurance is not knowing where to begin. The good news is that you took the first step by reading this page. We simplify the process by providing straight forward options.

Ask Yourself These Important Questions:

1. Why do I want to buy life insurance?
   …new marriage, child, house, etc
2. What length of time do I want the coverage?
   …while the kids are growing, for the term of my mortgage, for my working life, etc
3. How much coverage should I buy?
   …enough to repay the mortgage, replace lost income, money for college, etc

Sample Scenarios

• My spouse and I just bought a new house and took out a $250,000, 25 year mortgage
  …Now we know you may want a 25 year policy with up to $250,000 death benefit
• We just got married and we both have student loan debt.
  …Now we know you at least want coverage for the amount of the student loans for the term of the loan.
• You have been blessed with your first child
  … We now can discuss whether you want to cover debt, lost income, college, etc

Our life insurance products are “Term Life Insurance”. It is defined as life insurance that pays a benefit in the event of the death of the insured during a specified term. It is purchased for a specific amount of time, such as 10 year 20 year or 30 year term. During the term chosen, your cost will not change. For example, If you buy a 20 year term policy and it costs $450 annually, then you will pay the same amount of money each year for 20 years. At the end of 20 years your policy expires. You only pay for the insurance you want and for the amount of time that you want it. (This is much less expensive than “whole life” insurance , with “whole life” insurance, you pay each year for your entire lifetime and the premium increases each year as you age.)