Life Insurance

What is Life Insurance?

A life insurance policy pays your beneficiaries a pre-determined amount of money if you die unexpectedly. Life insurance is often used to ensure your loved ones aren’t left financially insecure by providing for debt repayment, college funding, final expenses, and more.

A life policy can provide peace of mind to you and your family. There are many different policy types available. We’ll help determine the level of coverage and policy type that is right for you. Give us a call at (651) 636-6911 or request a quote comparison to get started.

Policy Types

Term Life – Term life is purchased for a specified period of time, usually 10, 20, or 30 years. The policy expires at the end of the term. Term is typically the lowest cost policy type.

Universal Life – Flexible policy that can provide permanent or temporary coverage, as well as cash value.

Whole Life – Permanent policy that has a cash value component. A portion of your premium is deposited into a cash account that earns interest.

Return of Premium Term Life – Term life policy that returns all of the premiums paid at the expiration of the policy if the death benefit was not paid.

Instant Issue Term Life – Term life that can be issued with no medical exams and just a few questions.

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