Traditional Life Insurance

Coverage for when life happens.

Traditional life insurance is designed to provide a death benefit to beneficiaries in the event of the policyholder's passing. Personal traditional life insurance types include term, whole, and universal policies, each offering different coverage types and benefits. Life insurance is essential for securing a family’s future and protecting loved ones from financial hardship.

  • Term

    Term life insurance is a simple and affordable way to protect your loved ones for a specific period, whether it's 10, 20, or 30 years. It provides financial support to cover important expenses like a mortgage, education, or lost income. Once the term ends, the coverage expires, making it a smart choice for those seeking temporary, reliable protection without a long-term commitment.

  • Permanent - Whole Life

    Whole life insurance provides lifelong coverage with a guaranteed death benefit and the added benefit of building cash value over time. Your premiums remain fixed throughout the life of the policy, ensuring predictable costs. The cash value grows at a guaranteed rate and can be accessed or borrowed against, offering financial flexibility. Whole life insurance is a great option for those seeking long-term protection and a reliable way to accumulate wealth while securing peace of mind for the future.

  • Permanent - Universal Life

    Universal life insurance offers flexible coverage that combines life protection with a cash value component. Unlike term life, it allows you to adjust your premiums and death benefit as your needs change over time. A portion of your premium goes toward building cash value, which grows tax-deferred and can be accessed or borrowed against in the future. Universal life insurance is ideal for those looking for long-term coverage with the ability to adapt to life’s changing circumstances. It provides peace of mind with the flexibility to tailor your policy to your financial goals.

Life as an asset for businesses.

Life insurance can be a crucial asset in protecting your business, offering solutions like key person coverage, buy-sell agreements, and executive benefits. It will ensure your business stays on track if an owner passes away, can simplify ownership transitions, and can provide valuable benefits to attract and retain top talent. By thoughtfully using life insurance, you can strengthen your business’s future and provide greater security for both owners and employees.

  • Group life insurance is an important benefit that provides financial protection for your employees’ families in the event of their death. Typically requiring no medical exam, this coverage offers a death benefit to employees' beneficiaries, ensuring peace of mind. It’s an affordable way for businesses to enhance their benefits package, attract top talent, and show care for the well-being of their employees and their families.

  • A buy-sell agreement is designed to ensure a smooth transition of ownership if an owner retires, becomes disabled, or passes away. It outlines how the business will be transferred, often funded with life insurance, providing financial security and stability during challenging times. This agreement helps protect the interests of remaining owners and the business itself, ensuring continuity and minimizing disruption.

  • Key person insurance is designed to protect your business in the event of the loss of a key individual, such as a business owner or executive. This coverage provides financial support to help the company stay operational during a transition period, allowing time to find a replacement or adjust to the loss. It ensures that your business has the resources it needs to weather unexpected changes and maintain stability during difficult times.

  • Executive benefits are specialized compensation packages designed to attract, retain, and reward top-level employees. These benefits can include life insurance, and other tax-efficient strategies that provide financial security and growth opportunities.