Life Insurance

With Living Benefits

Life insurance is a gift to your family of love through financial security.

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Living Benefits Automatically Included

Terminal Illness

Critical Illness

Chronic Disease

How Living Benefits Work:

The living benefits are included in your policy at no additional cost, and are payable in case you are diagnosed with a chronic, critical or terminal illness. The payment of the living benefit has no restrictions, which means that this money is yours to spend as you wish. Experiencing these types of diseases is never easy and affects the lives of many people. Having a policy that pays the benefit amount while you are still living can help you financially in a thousand ways.

Top 5 Reasons

Why People Need A Life Insurance Policy.

New Homeowners

Protect you and your family with a mortgage protection life insurance designed to last throughout the term of your home mortgage. Choose between 10 – 30 year options and receive a high benefit amount at a great, affordable price.

Income Replacement

If your family relies on your income to maintain their lifestyle, life insurance can be crucial. Over half of households depend on dual incomes, and losing an income can result in financial struggles moving forward.

Estate Planning

Life insurance can play a key role in estate planning. It helps protect your assets and ensures a smooth transfer of wealth to your heirs or beneficiaries.


Life insurance can help guarantee financial security and save for the long term. It's the best of both worlds – savings and coverage in one plan. Get ready for the excitement of indexed universal life insurance, where you're in control of your financial future!

Funeral Planning

Even modest funerals can incur substantial costs, but this insurance provides a comforting solution without the need for stressful medical exams. Tailored for those ages 50 to 85, it ensures peace of mind by remaining in force throughout the insured individual's lifetime, offering a reliable and considerate means of addressing inevitable expenses with dignity.

Most Common

Types of Life Insurance

Peace of Mind

Plan today and protect tomorrow. The comfort of knowing that your home and family are protected with a life insurance policy is priceless.

Car accidents, general health complications and crime happen without warning and can affect you or someone close to you. Have a plan in place and give your family the best gift of love.

Frequent Asked


Do I need life insurance?

Life insurance is designed to provide a financial safety net to your beneficiaries, which can be for family, business, or estate after you pass away. The decision to buy life insurance depends on the needs and goals that an individual is trying to accomplish. Consider factors like your current salary, anticipated expenses, and the impact your death may have on your dependents or loved ones. 

  1. Income Replacement: If your family relies on your income to maintain their lifestyle, life insurance can be crucial. Over half of households depend on dual incomes, and losing an income can result in financial struggles moving forward. 
  2. End-of-Life Costs: Funerals and burials can be expensive. On average, a basic funeral and burial can cost between $8,000 - $12,000, while a funeral and cremation has an average cost between $5,000 - $7,000. 
  3. Debts and Obligations: If you have outstanding debts (such as a mortgage, car loan, or credit card balances) or other financial obligations, life insurance can provide peace of mind. 
  4. Estate Planning: Life insurance can play a role in estate planning. It helps protect your assets and ensures a smooth transfer of wealth to your heirs or beneficiaries. 
How do I know how much insurance I need?

Evaluate Your Financial Obligations

Consider your outstanding debts such as mortgages, car loans and credit card balances. How much would it take to pay off these obligations if you were no longer around? Consider other financial responsibilities, like college tuition for your children or ongoing medical expenses.

Income Replacement

Calculate how much income your family would need if you were to pass away. This includes covering daily living expenses, education costs, and any other financial needs.

A common rule of thumb is to aim for coverage that's 5 to 10 times your annual income. Adjust this based on your specific circumstances.

Future Goals and Aspirations

Think about your family's long-term goals. Do you want to provide for your children's education or leave a legacy for your heirs? Life insurance can help achieve these goals by providing a lump sum payout.

Health and Age

Your health and age impact the cost of insurance. Generally, younger and healthier individuals pay lower premiums. Consider locking in a fixed monthly premium and coverage while you're young and healthy.

How are life insurance rates determined?

Rates are primarily based on age and the current health of the client at the time of applying for coverage. The younger and healthier you are, the more affordable the premium will be.


Since younger individuals have a much lower risk of passing away due to health conditions, the risk is also lower for the insurance company having to pay out benefits, the result is a more affordable plan for you. Once you are approved, the rates are locked in for the life of the insured.

Can I make changes to my life insurance policy?

Policy changes are available at any time depending on the type of change. We recommend contacting your life insurance agent with any modifications to your policy first as some may require additional steps to complete than others. Most changes to your life insurance policy usually have no additional cost, unless it involves an increase in the death benefit amount or adding another insured to the current plan.