Life and Health Insurance

We welcome the opportunity to offer a quote on your Life and/or Health insurance.

Other Services

Auto Insurance

Be prepared with auto insurance for the vehicles in your household.

Homeowners Insurance

We welcome the opportunity to offer a Homeowner’s insurance quote.

Commercial Insurance

Protect your business against potential losses through unforeseen circumstances.

There are two types of Life Insurance policies: term and permanent.

A term policy will protect you for a specified period of time. A flat amount is paid to the beneficiary upon death.

Life Insurance provides protection against financial loss resulting from death and provides financial support to a surviving spouse and children.

Ask about the many types of and options for Life Insurance and Health Insurance.

F.A.Q.

An Insurance agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim.
How much life insurance should an individual own?
“Rule of thumb” suggests an amount of life insurance equal to 6 to 8 times annual earnings. However, many factors should be taken into account when determining the right amount of life insurance for you and your family.
What about purchasing life insurance on a spouse and on children?
In certain circumstances, it may be advisable to purchase life insurance on children; generally, however, such purchases should not be made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s).

It is of utmost importance that the income-earning capacity of the primary breadwinner be fully protected, if possible, through the purchase of the required amount of life insurance. This should be done before contemplating the purchase of life insurance on children or on a non-wage-earning spouse. Life insurance on a non-wage-earning spouse is often recommended for the purpose of paying for household services lost due to this individual’s death. In a dual-earning household, it is important to protect the income earning capacity of both spouses.

Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?
Yes. An existing policy, either term or cash-value life insurance, can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured’s death. Although a lender may offer a mortgage protection term policy to you, the lender rarely requires it.

Credit life insurance is frequently recommended in conjunction with the taking out of an installment loan when purchasing expensive appliances or a new car, or for debt consolidation. Is credit life insurance a good buy?

Credit life insurance is frequently more expensive than traditional term life insurance. Further, if you already own a sufficient amount of life insurance to cover your financial needs, including debt repayment, the purchase of credit life insurance is normally not advisable due to its relatively high cost.