A Special Message To Our Valued Policyholders:

While the Coronavirus has brought disruption and uncertainty to our lives, we want you to know we remain committed to providing you dependable insurance service. We are considered an Essential Service and are open to serve you. While we normally welcome your in person visit to our office, it currently is in all of our best interests to conduct business by phone or email.

We are taking extra precautions while we remain open, such as additional cleaning of surfaces and distancing as much as possible. If you are member of the population most vulnerable to the virus, and believe you need to visit our office, please call to schedule an appointment. We will schedule a time to limit your exposure.

Please know that we have plans in place to continue to serve you, should we be required to temporarily close our office in the future, and work from home.

For those of you facing challenging economic conditions due to the Coronavirus, please know that many of the insurance companies we represent are aware of these resulting financial difficulties for policyholders. Therefore they are making special provisions, such as delaying cancellation notices if a payment is not received. Please call us for more information, as each insurance carrier is handling this differently.

Our thoughts and prayers are with our health care professionals, government leaders and all those affected by this situation. We hope you and your loved ones remain safe and healthy!

Life Insurance

Life Insurance Quote Forms

Looking for coverage? Click any of the following links to request a quote for quick, accurate and affordable rates.

Life Quote Form

Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.