Life Insurance is a lump sum of money paid to your beneficiary(s) when you die. It is an extremely thoughtful and caring gesture to do and have set up for your family. Depending on your age and health we will determine what it is you might need insurance wise. If you are younger (under 45) and interested in getting permanent life insurance you will have your entire life you can get the premiums back in your retirement so this is like having FREE Life Insurance. The premium costs are slightly more than term. Typically we recommend a combination of term and permanent insurance. Let me explain more to you and how it works in a meeting as this may be an option you would be interested in.  We also offer term policies as well that can keep premiums lower.

Additional riders you can add to your life insurance policy at an additional cost: 

• Child Rider – A lump sum amount payed out tax free if your child dies. Something we don’t like to think about but will guarantee your child will always be approved for insurance later in life. 
• Critical Illness – A lump sum of money paid to you tax free if you get 1 of 25 listed critical illnesses. There is also a return of premium rider we can add at an additional cost to a stand alone policy so if at the end of the term we do not get an illness we can get the premiums back.  
• Child Critical Illness (An amount paid to the policy owner if the child develops 1 of 25 listed Critical illnesses tax free). 
• Disability – Based on your income this pays you monthly tax free. Consider this option if you employer only pays up to a certain percentage. 
• Guaranteed Insurability – This is a guarantee you will get approved for Life Insurance with no medical required. 
• Accidental Death – An Accidental Death Benefit Rider is a provision in a Life Insurance policy that can provide an additional payment if your death occurs as the result of an accident, often double the amount of money tax free.