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Life Insurance Products / Annuities / Long-term Care Products

Individual and Group Options Available

Term Life Insurance

Term Life Insurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term.


Normally, the least expensive of all three 

life insurance products.

Universal Life Insurance

Universal Life Insurance is a type of cash value life insurance, sold primarily in the United States. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest.


Normally, the mid-least expensive of all three

life insurance products.

Whole Life Insurance

Whole Life Insurance is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.


Normally, the most expensive of all three life insurance products.

Annuities

After the Annuity policy is issued the owner may elect to annuitize the contract (start receiving payments) for a chosen period of time 

(for example, 5, 10, 20 years, a lifetime).

Nursing Home and 

Assisted Living Facility

Nursing Home Care Insurance and Assisted Living Facility Care Insurance are types of Long-Term Care Insurance is a type of service you might need if you can’t care for yourself because of an illness, disability, or Alzheimer’s disease. It helps with routine daily activities like eating, getting around, and bathing. It can also help if you need someone to look after you or need reminders to take medicine.


Long Term Care Insurance and 

Home Health Care Benefits

Long-Term Care Insurance and Home Health Care Benefits are types of Long-Term Care Insurance is a type of service you might need if you can’t care for yourself because of an illness, disability, or Alzheimer’s disease. It helps with routine daily activities like eating, getting around, and bathing. It can also help if you need someone to look after you or need reminders to take medicine.

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