Life Insurance

Our Life Insurance Specialists are independent life insurance agents offering competitive and innovative insurance products to the individual and business marketplace. As an independent agency we represent highly rated companies that offer the best life insurance products . 

There are several different types of life insurance available today. But most fall under two categories: Term Life Insurance and Permanent Life Insurance. We can explain which is the best choice for you, using :

• Term Life Insurance - 10, 15, 20 and 30 year terms
• Whole Life Insurance
• Universal Insurance
• Indexed Universal Life Insurance
• Survivorship Life Insurance
• Final Expense Insurance

Life Insurance is an asset that must be managed and reviewed for suitability on a regular basis to ensure coordination with business, retirement and estate planning. Turn to our audit services to review your current policies and provide expert consultation on how to improve your situation. Our team of in-house experts are in-tune with changes in the market and work to maximize the efficiency of your life insurance portfolio now, and in the future.

We conduct a proprietary analysis and communicate clearly to you the opportunities you have to reduce your costs and ensure your financial security for the long-term. We cater to those who are serious about providing for their loved ones’ futures, ensuring that life insurance assets are always ready to meet your family’s planning needs. Approximately 70 percent of Life Insurance Policies are under-performing, are at a risk of lapsing, or could be replaced at a lower cost with the same or better guarantees. Approximately 25 percent or more of Trust Owned Life Insurance will lapse prior to the death of the insured.