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Life Insurance
If you have a family to protect, a sound life insurance program is the perfect solution. The primary purpose of life insurance is to provide cash for your family in the event of your death to ensure that they can remain in their home and continue to maintain an adequate standard of living. There are two basic types of life insurance needs to meet your needs.
Temporary
Permanent
Temporary
Temporary needs include home mortgages or short term debt reduction, family income and educational expenses and can last as little as one year or last 20 to 30 years or longer. Term insurance is the most cost effective method of insuring many short term needs. There are a variety of plans to choose from, ranging from an annual renewable term (1 year plan) to a level term plan that could last 5, 10, 20 or 30 years.