Life Insurance

Individual Life Insurance is available in several forms. It may be Term Insurance, Permanent Insurance, sometimes called Whole Life Insurance,  Universal Life Insurance or Variable Life Insurance. Terms, conditions, premiums and how the policy pays the benefits vary across all of these different forms.

It's important to understand fully the goals in purchasing Life Insurance in order to secure the right coverage for your needs. It may be needed for Estate Protection, to protect a young family upon the loss of a key income earner, it may be to satisfy a loan requirement or to build assets for a future need.

Businesses purchase Individual Life Insurance as well. These policies become the funding sources for Key Man insurance, for buy-sell agreements between partners or between an employee and the employer. 

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