Protect what you have. Grow it safely. Pass it on.

Term Life

The most coverage for the lowest cost, for the years your family needs it most.

Coverage for a set period — often 10, 20 or 30 years — while you’re raising children, paying a mortgage or building savings.

• Replaces income and pays off debts if the unexpected happens
• Most of the term policies we offer include living benefits for critical, chronic and terminal illness
• Many can be converted to permanent coverage later, often without a new medical exam
• Your health rating is one of the biggest factors in your price — the healthier you are when you apply, the better the rate

Ask us: “Is my workplace coverage really enough — and what happens to it if I change jobs?”

Permanent Life

Coverage that lasts your whole life — and builds cash value along the way.

Whole life and universal life policies are designed to stay in force for life, while part of each premium builds cash value you may be able to use during your lifetime.

• Cash value grows tax-deferred
• Death benefit is generally income-tax-free to your beneficiaries
• Cash value can often be accessed through policy loans for emergencies, opportunities or retirement

Ask us: “What if my life insurance could also be a source of money I can use while I’m alive?”

Living Benefits

Life insurance you don’t have to die to use.

Modern policies can let you access part of your death benefit early if you’re diagnosed with a qualifying critical, chronic or terminal illness — and some can help pay for long-term care. So a health crisis doesn’t become a financial crisis.

• Critical illness — such as a heart attack, stroke or cancer diagnosis
• Chronic illness — when you can no longer perform everyday activities on your own
• Terminal illness — access to funds when they matter most
• Long-term care — available on some policies through added riders

Most of the carriers we work with offer these benefits, and we make a point of including them in the policies we recommend. Many older policies don’t have them — it’s worth checking yours.

Ask us: “Does my current policy include living benefits?”

Wills & Trusts

Your wishes, in writing — so your family isn’t left guessing.

A will names who receives what and who raises your children. A living trust can help your family avoid probate, keep matters private, and control when and how children receive an inheritance.

• Name guardians for minor children
• Help your family avoid a lengthy, public probate process
• Make sure life insurance proceeds are managed for children, not left in limbo
• Powers of attorney and healthcare directives

Through our estate-planning legal partner, we help you put the right documents in place — and make sure they work together with your insurance and beneficiaries.

Ask us: “If something happened to both of us, who would raise our kids — and who would manage their money?”

Notary Services

Get important documents signed and notarized, simply.

Many estate and financial documents need to be notarized to be valid. We can help you complete that step without an extra trip.

• Wills, trusts and powers of attorney
• Beneficiary and policy forms
• Other everyday documents

Ask us when you book your check-in.