Life

A term life policy covers the policyholder for a specific amount of time that you choose. Among the most popular life insurance products available, term life policies tend to be more affordable. Beneficiaries receive the full amount of the policy, but it does not accrue cash value.

Permanent life, also known as whole life insurance, provides you with life-long protection. In addition to predictable premiums, some permanent life insurance policies come with interest earning cash value. Life insurance with cash value is designed to grow in total value at a guaranteed rate of return. Because of this savings capability, premiums are often higher for permanent life policies than for term life policies.

Disability insurance replaces a portion of your income if illness or injury keeps you from working. Plans can either be used to add additional coverage to what you may already receive through your employer or can be your sole source of income replacement.

Group insurance can be a key to your employees’ financial wellness. We offer solutions that help you build a better benefits program while helping your employees meet their needs.

Short-Term Disability Insurance provides a source of income for employees who temporarily cannot work due to childbirth, injury, or illness. 

Long-Term Disability Insurance replaces a portion of an employee’s income when they are unable to work for an extended period of time due to an injury or illness.