Affordable life insurance for you & your family

Life insurance is simply protection to ensure that your family will have financial security when you pass away. If something should happen to you, how will they be able to continue doing the things they take for granted, such as live in a nice home, continue their education, or create a retirement nest egg without you? Life insurance can help to provide the answer.

We help you with all your insurance needs and questions:

  • How much insurance do I need?
  • Does everyone need insurance?
  • Is life insurance a risk management tool?
  • Life insurance is a contract (called a policy)

What is Life Insurance?
Life insurance is an agreement between you (the insured) and an insurance company (the insurer). Under the terms of a life insurance contract, the insurer promises to pay a certain sum to someone (a beneficiary) when you die, in exchange for your premium payments.

Why would you need life insurance?


The most common reason for buying life insurance is to replace the income lost when you die. For example, say that you work, and your income is used to support yourself and your family. When you die, and your paychecks stop, the life insurance proceeds can be used to continue to support the family members you’ve left behind.

Determining the optimal life insurance policy

We could get really granular with a detailed life insurance needs analysis, it’s more important to get set up with something you can comprehend than it is to push off an important decision due to life insurance’s intimidating complexity. In the majority of situations, a household would be well cared for simply by buying enough life insurance to replicate all or most of the insured’s income for a term as long as the household expects to need that income.

Bundling Your Insurance: Simplify your life and save more by bundling your insurance.

Two main life insurance types

Term Life Insurance

It lasts for a specific number of years. If you don’t die within the time frame specified in your policy, it expires with no payout.

Whole Life or Permanent

This life insurance class usually includes a “cash value” account, which builds value over time.

Life Insurance

Don't wait until it's too late. Contact us for your life insurance needs.