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| Financial Calculators Let us help you determine how much insurance you need, how to select your next home or car or determine how much you need for college. |
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Personal refers to the type of insurance you can buy to reduce your exposure in the event of a loss. Automobile, home and liability are the common policies you may have. Personal can also refer to the type of professional service you expect and deserve from your insurance agent. Take a few minutes and check out our FREE Insurance Review.
Life insurance can often provide the liquidity that your estate needs to pay estate taxes and other estate settlements costs. Without it, it may be difficult for your estate to raise the necessary cash to pay these expenses. Life insurance also ensures that cash is available to purchase the business owner’s interest at death.
We can provide the appropriate life insurance protection to meet both your personal and business needs, with variable, term, and universal policies.
Term Life Insurance
- Available for individuals or groups
- Set for a specified period of years and can often be renewed
- Competitively priced and, in many cases, portable
Universal Life Insurance
- Typically provided as an individual policy that supplements an existing employee-sponsored group term program
- Permanent policy that provides cash value investment portion and death benefit
- Fully portable
- Premiums remain the same throughout the contract








