The main purpose of life insurance is to provide financial help to your family in the event of your death. Life insurance can also serve as:

• The fund for final expense.
• The inheritance for your love ones.
• A source of tax-deferred savings

There are two types of life insurances. Term and Permanent.

• Fixed period of time coverage (from 5 to 30 years).
• May be renewed after the initial contract term expires without requirement of medical exam.
• The least expensive and simplest type of coverage.
• Provide no cash value.
• The premiums increase upon renewal as you age.

PERMANENT LIFE Quote me

• Provide coverage for an indefinite of time.
• Provide cash value on a tax-deffered basis. Owner may borrow or withdraw it.
• Premium and death benefit can be flexible as in case of universal life.
• Premium is normally higher than term life.

      We provide the following permanent life:

• Whole Life. The premiums remain at a fixed level for the duration of the policy. Over time, the policy generally builds up cash value on a tax-deferred basis.
• Universal Life. These policies are interest-sensitive and give the owner the option to adjust the death benefit and/or premium payments, within limits, to fit the owner's situation.
• Variable Universal Life. The net policy values are to be invested. The values may accumulate more rapidly than with other cash value policies, but the policy owner incurs additional risk. If market performance is poor, the death benefit may decrease, and/or the policy owner may have to pay higher premiums to keep the policy in effect.

• Do I need life insurance?
• How much life insurance ?
• What Life insurances to buy?
• List of our insurance carriers