Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person. In simple terms, if you have a policy, upon your death your loved ones receive the proceeds of your policy to pay for your medical or burial bills or fund financial support upon your passing for income and educational needs of your survivors.

The different types of life insurance are:

• Term life insurance
• Whole life insurance
• Universal life insurance
• Variable life insurance
• Variable universal life insurance
• Simplified issue life insurance
• Guaranteed issue life insurance
• Final expense insurance
• Group life insurance

Let our Certified Life Underwriters help guide you to consider all of your options by helping you to understand your unique insurance needs and then determine the type of policy for you and the amount of coverage needed.

Life insurance should be an integral part of your financial arsenal. ****

****This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state's insurance department for more information.