Even if you are dreaming about renovating your home, make a life insurance policy a priority to protect what you value most. This policy will allow your family to have the financial peace of mind they can rely on if you pass away. A life insurance policy can also be used as an investment instrument.

 
 
 

Which is the best product for you?

 
 

Term Life Insurance

It’s designed to cover you insurance needs for a specific period of time, usually 10, 20 or 30 years. It pays the benefit to your designated beneficiary in case of death and does not accumulate cash value. You may obtain the insurance with level premiums, which will not increase during the coverage period. In many cases you may covert your insurance to a permanent policy. This coverage may be convenient for you if to have a need for coverage for a specific period of time.

Permanent Life Insurance

It provides lifetime protection, if and when you continue paying your insurance premium. Permanent Life Insurance accumulates cash value and is the ideal product for a long-term insurance need. There are several types of Permanent Life Insurance to meet your specific needs.

  • Whole Life Insurance – It’s ideal if you want a death benefit and guaranteed yield on the cash value. Whole Life Insurance also offers the convenience of a lifetime fixed premium and the possibility of receiving dividends.
  • Universal Life Insurance –If you want flexibility, this product may be right for you. In life there are times when we have good cash flow and others when we do not. With a Universal Life Insurance policy, you adjust your premiums according to your income. It also allows you to adjust the death benefit. The policy can accumulate cash value, although it’s not guaranteed.

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1Insurance products are: not deposits - not FDIC insured not insured by other federal government agencies - not bank guaranteed - may lose value.