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What is Life Insurance? How does it work?

Life Insurance

A life insurance is an agreement between you and an insurance company. In exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death.

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Term Life Insurance

Term insurance protects families for a specific length of time (or “term”) and is an affordable way to provide death benefit protection for your family. You pay less on premiums than you would on permanent life insurance options.

Index Universal Life Insurance

Index universal life insurance provides death benefit protection, index-based cash value growth potential over time, and a guaranteed minimum interest rate.

Final Expense Life Insurance

Unlike an inheritance, final expenses are something no one wants to pass on to loved ones.  Final expense life insurance can help cover end of life expenses, so when the time comes, loved ones can focus on family, not finances.

Whole Life Insurance

Whole life is a form of permanent life insurance that provides coverage for your entire life, helping families protect their long-term financial security. It offers guaranteed level premiums with a guaranteed death benefit and guaranteed cash value.

Life Insurance for Foreign Nationals

Life insurance is a desirable asset for Foreign National clients looking to protect their family and/or their businesses. Our life insurance solutions can help you provide the protection you need.