Life Insurance

Life Insurance to provide for your loved ones after death, just like you do during life

Life is unpredictable and unexpected events can happen at any time. We believe Life Insurance is an essential part of any financial plan and we are committed to helping our clients make informed decisions about their coverage.

Our team of experienced insurance professionals will work with you to assess your individual needs and find the right policy for you. We understand that everyone's situation is different, and we strive to provide personalized service and support throughout the entire process.


How Much Life Insurance Do You Need?

How much life insurance you need depends on your personal circumstances. Our team of experienced insurance professionals will work with you to assess your individual needs and find the right policy for you. We understand that everyone's situation is different, and we strive to provide personalized service and support throughout the entire process.

Consider some of the following factors:

  • Household income sources other than your salary
  • How many people are financially dependent on you
  • The earning capacities of the people dependent on you
  • Financial commitments, such as mortgages and car payments
  • Death benefits from Social Security or life insurance plans sponsored by your employer

What are the different types of Life Insurance available?

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    Term Life

    A policy designed to protect your short-term needs for a specific amount of time

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    Whole Life

    A cash value policy that offers lifetime protection

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    Universal Life

    A long-term policy for those who do not need growing cash value


Connect with us to learn more about Life Insurance

Our personal lines team will work with you to assess your risk and provide insurance options tailored to your needs. Fill out our online form to learn more and get a quote from one of our trusted personal insurance advisors today.

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  • How much Life Insurance should an individual own?

    There is no “one size fits all” approach to how much life insurance an individual needs, as there are many factors that should be considered, including but not limited to:

    • Income sources (and amounts) other than salary/earnings
    • Whether or not the individual is married and, if so, what is the spouse's earning capacity
    • The number of individuals who are financially dependent on the insured
    • The amount of death benefits payable from Social Security and from an employer sponsored life insurance plans
    • Whether any special life insurance needs exist (e.g., mortgage repayment, education fund, estate planning need, special needs circumstances), etc.

    It is recommended that a professional insurance agent provide a “needs analysis” for a precise calculation of how much life insurance is appropriate.

  • What about purchasing life insurance on a spouse and on children?

    In certain circumstances, it may be advisable to purchase life insurance on children; generally, however, such purchases should not be made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s). It is of utmost importance that the income earning capacity of the primary breadwinner be fully protected, if possible, through the purchase of the required amount of life insurance before contemplating the purchase of life insurance on children or on a non-wage earning spouse. In a dual-earning household, it is important to protect the income earning capacity of both spouses. Life insurance on a non-wage earning spouse is often recommended for the purpose of paying for household services lost at this individual's death.

  • Should term insurance or cash value life insurance be purchased?

    Although a difficult question--one whose answer will vary depending on circumstances--several principles should be followed in addressing this issue. It must first be recognized that in any life insurance purchasing decision, there are at least two basic questions that must be answered:

    • "How much life insurance should I buy?" and
    • "What type of life insurance policy should I buy?"

    The question contained in (1) involves an "insurance" decision and the question contained in (2) requires a "financial" decision.

    The "insurance" question should always be resolved first. For example, the amount of life insurance that you need may be so large that the only way in which this needed amount of insurance can be afforded is through the purchase of term insurance with its lower cost.

    If your ability (and willingness) to pay life insurance premiums is such that you can afford the desired amount of life insurance under either type of policy, it is then appropriate to consider the "financial" decision--which type of policy to buy. Important factors affecting the "financial" decision include your income tax bracket, whether the need for life insurance is short-term or long-term (e.g., 20 years or longer), and the rate of return on alternative investments possessing similar risk.

  • How does mortgage protection term insurance differ from other types of term life insurance?

    The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decreases in the outstanding balance of a mortgage loan. Mortgage protection policies are generally available to cover a range of mortgage repayment periods, e.g., 15, 20, 25 or 30 years. Although the face amount decreases over time, the premium is usually level in amount. Further, the premium payment period often is shorter than the maximum period of insurance coverage --for example, a 20-year mortgage protection policy might require that level premiums be paid over the first 17 years.

  • Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?

    Yes, the purchase of a new mortgage protection term insurance policy is usually not required by the lender. An existing policy, either term or cash-value life insurance, can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured's death.

    Credit life insurance is frequently recommended in conjunction with the taking out of an installment loan when purchasing expensive appliances or a new car, or for debt consolidation. Is credit life insurance a good buy?

    Credit life insurance is frequently more expensive than traditional term life insurance. Further, if you already own a sufficient amount of life insurance to cover your financial needs, including debt repayment, the purchase of credit life insurance is normally not advisable due to its relatively high cost.

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