Life Insurance Frequently Asked Questions

Protect your family and future plans. We have great rates and premiums for Term, Universal and Whole Life plans from Genworth, John Hancock, Ohio National, Pacific Life, Prudential, First Colony and many others.

Q- Are there different kinds of Life Insurance ?

A- There are several types of life insurance- The principal
types are Term, Universal Life and Whole Life Insurance.
Term Insurance provides benefits during the term of the policy, from 1 up to 30 years. Both Universal Life and Whole Life plans are permanent type of plans that provide benefits whenever you die, up to age 100 or beyond! These plans also have cash values available.

Q- How much insurance do I need?

A- When doing your insurance or financial planning, clients need to look at a broad range of special situations or considerations. These include providing replacement
income for your spouse and dependents, final expenses, passing assets to heirs, paying state or federal estate taxes, funding a trust agreement or making charitable contributions.

Q- Is Life Insurance very expensive?

A- The simple answer is no, it’s much more expensive when you have no life insurance. There are many affordable options for every client and situation. We provide many competitive plans from the top insurance carriers in the country today.