Term Life Insurance


Term life insurance provides death protection for a stated time period, or term.

Term life insurance is perhaps the simplest form of life insurance. It was developed to provide temporary life insurance protection on a limited budget. Since term insurance can be purchased in large amounts for a relatively small initial premium, it is well suited for short-range goals such as life insurance coverage to pay off a loan, or providing extra life insurance protection during the child-raising years.


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Why Universal Life?

Universal Life is a new generation of life insurance that can provide complete financial security for you and your dependents. Universal Life had the same advantages as traditional, permanent life insurance, plus the added benefits of flexible premiums and flexible death benefits.

Complete Financial Security

Universal life can provide complete financial security by offering these features:

Tax Benefits

Universal Life enjoys the following special tax benefits:

Flexible Premiums

With Universal Life, you can determine the amount and frequency of your premium payments. Payments may be increased, decreased, or even skipped altogether, as long as the policy's value is sufficient to cover the cost of insurance. Additional premiums may be paid at any time. If for any reason the policy's value is not sufficient to cover the cost of insurance, there is a grace period in which a payment may be made to continue the coverage.

How Does Universal Life Insurance Work?

You may switch options anytime after the first policy year subject to insurability requirements. The amount of your coverage may be increased (with evidence of insurability satisfactory to the Company) of decreased (subject to policy limitations) as you need change.


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Whole Life Insurance


Permanent life insurance coverage is for as long as you live and continue to make timely premium payments.

With level premiums and the accumulation of cash values, whole life insurance is a good choice for long-range goals. The guaranteed cash values can provide money later on to help with temporary needs or emergencies.


Features of Whole Life Insurance


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