Life Insurance

imageWhether you need life insurance to protect your family or business operations, we can help fund these needs through our life insurance products. These could include Buy/Sell Agreements, Key Person Insurance or simply protecting your family’s financial future in the event of an untimely death.

Life Insurance for Individuals

Life insurance is one of the most important purchases a family can make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business and finance future needs. Our portfolio of Individual products helps provide custom-tailored solutions for our customers’ financial and savings needs. Our Individual product line includes Annuities, Term Life Insurance, Universal Life Insurance and Whole Life Insurance.

Term Life Insurance

Term Life Insurance provides protection for a specified period of time. If you die within the term period, a death benefit is paid to your named beneficiary. Protection ends if you are still living at the end of the term period, unless you renew the policy. Term Life is a good option for covering needs that may diminish in time.

Universal Life Insurance

Universal Life (UL) Insurance offers the flexibility to change your policy as your life changes. Marriage, children, job status and time can impact your life insurance needs. When premium requirements are met, a UL policy provides permanent life insurance protection with cash value accumulation.

Whole Life Insurance

Whole Life Insurance offers permanent life insurance protection with a guaranteed death benefit and guaranteed premium payments. Premiums pay the cost of insurance protection and create cash value on a tax-deferred basis. Loans are available.

imageDisability Income Rider

The Disability Income Rider can be added to your new individual term, universal or whole life insurance policy, to help protect you and your loved ones from loss of income due to disability or death.

Annuities

Build tax-deferred savings and receive a guaranteed income stream. Annuities are retirement savings plans for tax-qualified and nonqualified funds. Premium payments grow with tax-deferred interest. Withdrawals are available with certain qualifications. Savings can provide a guaranteed income for life or for a specified period.

Workplace Life

We understand the Workplace setting and offer a variety of products to help meet the needs of employees in a way that is convenient and cost-effective for both the employee and employer. Our Workplace product line includes Critical Illness Insurance, Increasing Whole Life Insurance, Permanent Life Insurance, Group Term Life Insurance and Group Disability Income Insurance.