Term

Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. 

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Return of Premium

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When a return of premium policy and your term ends, you can receive all the premiums you paid back on a tax-free basis. However, you can also select to use your premiums for a paid-up permanent life insurance policy, or you can get part of your premiums back and use the rest to pay for permanent coverage.

Whole Life

Is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.

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Index Universal Life

Permanent life insurance wherein interest credited to the cash value component is linked to a market index, such as the S&P 500. These policies can provide life insurance that lasts for your entire life, and depending on how the policy performs, your cash value might grow at a higher rate relative to a non-indexed universal life policy.

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Guaranteed Universal Life

insurance is an affordable way to buy permanent insurance protection. As long as you pay your planned premiums to keep your policy active, your beneficiaries will receive the guaranteed death benefit when you die.

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Whole Life

life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.

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Final Expense

 Insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. 

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Fixed Index Annuity

A Fixed Index Annuity is an insurance contract that provides you with income in retirement. With a Fixed Index Annuity, your payments are based on the returns of a stock market index, like the S&P 500 or the Dow Jones Industrial Averages.

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