Permanent Life Insurance  Life insurance that provides lifetime protection and builds cash value over time. The cash can be used as collateral to fund a major purchase or to send your kids to college. It also allows for loans in the event of an emergency. Examples of permanent policies are variable, whole and universal life.   Term Life Insurance  Provides a death benefit for a specific period with no cash value (usually one year). Premiums for term are lower than those for cash value policies because there is no money being built up within the policy. An inexpensive way to provide the financial security you need for your family or business partnerships.

NEW on the marketplace! Ask us about R.O.P. = Return Of Premium After 15, 20 or 30 years, every penny paid in will be returned to you! (No, it's not "too good to be true".)