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AutoLiability Uninsured Motorist Medical Payments Comprehensive Collision HomeHomeowner’s Renter’s Landlord’s Life
Finding these beaches is easier when you have the money
saved for your retirement!
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Term Life InsuranceTerm insurance provides protection for a
specific period of time. It pays a benefit only if you die during the term.
Some term insurance policies can be renewed when you reach the end of the
term, which can be from one to 30 years. The premium rates increase at each
renewal date. Many policies require that you present evidence of insurability
at renewal to qualify for the lowest rates. We offer the following Term Insurance
Plans: 30 Year – 20 Year – 10 Year – 5 Year
Term Policies We have
four rate structures for these plans: Nicotine, Standard, Preferred &
Premier. The minimum issue for
Nicotine & Standard is $100,000 and the minimum value for Preferred or
Premier is $150,000. Decreasing Term - (Mortgage Protection
Insurance) These policies are great
for covering a long-term debt like a house or boat. They are much cheaper than the credit life that the bank offers
and they can be cancelled when the balance of the debt is at a level you can
handle without insurance. They can be
taken in 30, 20 & 15 year terms. Annual Renewable Term (1 Year
Term) Minimum issue amount on this policy is
$500,000. It is designed to be
short-term insurance, usually used to insure business partners in a new
venture. There is no medical on the
renewal but the rate goes up each year and by the fourth year it is usually
cost-effective to start a new policy.
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