Life Benefits

We all have a responsibility to protect those who depend on us with a sufficient amount of life insurance protection. Life Insurance is the cornerstone of your family’s financial security. It can provide those who are left behind with a lifetime of financial security.

Life Insurance can also provide businesses with the capital necessary to survive the passing of a key employee or partner.

There are two basic types of life insurance available on the market today, Term Life Insurance and Permanent Insurance. Which one is for you? It may depend on how long you need the coverage for. If you have a temporary protection need, Term Life Insurance may be appropriate. If you expect to need life insurance for a longer duration, even for your lifetime, then you should consider Permanent Life Insurance.

Group Term

Group insurance is a health care coverage plan in which individual employees or members are included under one 'master policy' owned by their employers. Because the group insurance plan has so many contributors, the policy often provides coverage for more services at a much lower cost per participant. Group insurance may be provided by other organizations besides for-profit companies. Labor unions, churches and other service groups can also obtain group insurance for recognized members and possibly their dependents.

Supplementary Life

Life Insurance can also provide businesses with the capital necessary to survive the passing of a key employee or partner.

Life insurance over and above the basic coverage provided by a group policy. The supplemental coverage may provide an additional amount of the same type of insurance or may provide a different type of insurance. Supplemental coverage is usually contributory and subject to stricter underwriting standards than is the basic group coverage.

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