Life insurance offers peace of mind as it relates to the equitable distribution of assets to heirs; providing ready funds to pay estate taxes and settlement costs without the delay and costs of probate; and by furnishing a significant increased cash death benefit to beneficiaries.

Life products offer specialized options to help protect and manage your estate.

• Term Life Insurance is relatively inexpensive and provides a tax-free death benefit to your beneficiaries with coverage for a fixed period of years (5, 10, 15, 20 and 30) depending on your age at the time of purchase. Term life does not accumulate cash value. Check with us to see if you would be better off buying term and investing the rest or placing your money in another type of life insurance. We have third party software that allows us to quickly run a number of "what-if" scenarios at no charge to you.
• Final Expense or Simplified Issue Whole Life Insurance helps pay for final expenses upon death. These plans usually provide up to $25,000 to $30,000 in benefits with few, if any, medical questions. 
• Whole and Universal Life Insurance accumulates cash value and earns interest, income tax-free while providing an income tax-free death benefit to your beneficiaries. If an emergency arises the insured has access to these funds by borrowing against the acquired cash value or by asking for a partial surrender of these values.
• Equity Indexed Universal Life is a flexible premium, universal life contract tied to one or more equity indexes such as the S&P 500 of the Dow Jones Industrial Average. Since the 20 year historic rate of the S&P 500 is 9.09%* this is a very attractive investment and can be a good place to build up a large cash reserve for emergency or strategic planning purposes. Having a source of tax-free income should be one of the cornerstones of your retirement plan and can be used for other purposes such as college funding, as a set-aside for high deductible health insurance, et al.
   

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For more helpful information, take a look at the Estate Planning Guide. To help determine how much life insurance you should have, try out our life insurance needs calculators.