Services

Term Life Insurance provides coverage for a specified period (the "term") and pays out a death benefit to beneficiaries if the insured person dies during that term. It's a temporary form of life insurance, offering financial protection for a specific duration, unlike permanent life insurance which lasts for the insured's lifetime. 

Whole - Universal Life Insurance is a type of permanent life insurance that offers lifelong coverage and a cash value component, but with more flexibility than whole life insurance. Policyholders can adjust their premium payments and death benefits within certain limits, and the cash value can grow based on interest rates set by the insurer. 

Final Expense Insurance, also known as burial  insurance or funeral insurance, is a type of permanent life insurance designed to cover end-of-life expenses like funeral costs, medical bills, and other related costs. It's a smaller, more affordable policy compared to traditional life insurance, specifically tailored to help beneficiaries manage the financial burden associated with a person's passing. 

Business Insurance, also known as commercial insurance, is a type of coverage that protects businesses from financial losses due to unexpected events, liabilities, or risks. It's a collection of policies designed to safeguard a company's assets, employees, and operations. This can include protection against property damage, liability claims, employee injuries, and business interruption.