Life Insurance and Annuities

Valuable Life Insurance
Don't leave your loved ones financially floundering. Make sure your family is taken care of with a whole or term life insurance policy. No matter what stage of life you're in, we'll find the right policy to suit your needs, the needs of your family, and the needs of your business.
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Investment Annuities
Annuities are a safe and secure way to invest in your future. Investment in an annuity ensures that you'll have an income to draw from well into retirement or during a disability. Wondering if an annuity is the right choice? One of our experienced agents is available to discuss the most beneficial insurance investment options for you.

Family Plan Options

• Term Insurance
  Choose term lengths and coverage amounts, giving you the maximum amount of coverage for your premium dollar.
• Return of Premium Term
  An option that refunds all of your premiums if you live beyond the term of the policy. This is a great plan for protecting mortgages and family expenses. Use the refund to pay off outstanding expenses—large or small.
• No-lapse Universal Life
  Similar to a lifetime term policy, this coverage option continues and is contingent upon premium payment. This is a great low-cost alternative to other permanent life insurance options.
• Flexible Universal Life
  A policy that builds cash value, which allows you to adjust your premiums and face amounts over time to fit your needs.
• Guaranteed Whole-Life
  Valuable protection for the rest of your life. Optional benefits of this plan include: pay-up early, build cash value, borrow against the value of the policy, and ensure predictable payments for life.
• Burial Insurance
  Protect your loved ones from the financial burdens of the funeral, burial and final expenses.

Children Plan Options

First Step
Provide your children with a base for saving and planning for a lifetime. Coverage is available through age 30, with optional conversion to a permanent life policy at that time.

Annuity Plan Options

• The Income Protector Policy
  Safeguard your income and protect you and your family from the worries of disability.
• Individual Retirement Accounts
  Conventional and ROTH investments are included. Choose the best fitting plan for your needs.
• The Preferred Choice Annuity Series
  This plan offers competitive interest rates with no monthly fees.
• Long Term Care Coverage
  Protect yourself and your family against the ever-rising expenses associated with long-term care.

Business Plan Options

Businesses can benefit from life insurance to fund Buy/Sell Agreements or “Key Person” policies to replace lost revenue caused by the death of someone essential to your business.

​Be sure to ask about discounts on your home, auto, and business insurance by combining them with a life policy.