Life Insurance Policies

Term Life Insurance

Term Life Insurance provides coverage for a specific period of time, such as 10, 20, or 30 years. If the insured person passes away during that time period, a death benefit may be paid to the beneficiary depending on the policy terms. If the term ends and the policy is still active, coverage ends unless renewed or converted, depending on the policy. 

Final Expense Insurance

Final expense insurance is a type of life insurance designed to provide a smaller death benefit, often intended to help cover end-of-life costs such as funeral, burial, or related expenses. 

Whole Life Insurance

Whole Life Insurance is a type of permanent life insurance that remains in effect for the insured's entire lifetime, as long as premiums are paid. Whole life policies typically have fixed premiums and include a cash value component that grows over time. 

Accidental Death Insurance

Accidental death insurance provides benefits if the insured person passes away as a result of a covered accident. This type of coverage is typically separate from traditional life insurance policies. 

Universal Life Insurance

Universal life insurance is a form of permanent life insurance that offers flexibility in premium payments and death benefits. These policies also include a cash value component that can change based on policy structure and funding. 

Child & Family Coverage Options

Child and family coverage options are policies or riders designed to provide life insurance protection for children or additional family members. These options vary by carrier and policy type.