We've been helping families understand and choose the right life insurance for over 50 years. Here are the most common questions we hear and our expert answers.
Trusted advice from experts who have guided thousands of families through their life insurance decisions.
As an independent agency, we can shop your needs across multiple carriers to find the best fit.
Every family is unique. We take time to understand your specific needs and goals.
Understanding the fundamentals of life insurance protection
Life insurance is a contract between you and an insurance company that provides a death benefit to your beneficiaries upon your passing.
A death benefit is the amount paid to your beneficiaries when you pass away, typically tax-free, and it can be used to cover expenses like funeral costs, debts, or ongoing living expenses.
Generally, the death benefit is not subject to income tax, but it may be subject to estate taxes depending on your overall estate value.
The main types are Term Life Insurance, which provides coverage for a specific period, and Permanent Life Insurance, which offers lifelong coverage and may include a cash value component.
The amount of coverage depends on your financial responsibilities, such as debts, income replacement needs, and future expenses like education for your children.
Yes, if you have a permanent life insurance policy with a cash value, you can typically borrow against it, but this may reduce the death benefit.
As an Independent agency, we have access to more than 30 major insurance companies and over 500 different products. This extensive selection allows us to tailor a life insurance solution that best fits your unique needs and budget.
Our approach is to customize the insurance company and product to meet your specific needs, rather than having you adjust to a pre-determined option, as captive agents must do.
More options than captive agents
Extensive selection for every need
Trusted local expertise
Customized to your family