Life and Personal Insurance

Would your loved ones be impacted financially if something happened to you?

It’s not something any of us want to think about. However, if someone in your life is dependent on your income, then life insurance can protect the financial security of the people you love by giving them a tax-free payment after you die.

Purchasing life insurance is a key part of securing your financial future. While you may have basic life insurance through work, it may not be enough to meet your needs, and your coverage typically ends when you leave your job.

Buying life insurance can be confusing because of the many types available. Term life insurance or whole / permanent / universal life insurance. Which one is right for you?

Term life insurance will benefit you the most for a temporary period of time, and it’s the less expensive option. With monthly balanced premiums for a term of your choice, term life insurance will protect your dependents in case of your premature death.

Whole life insurance, also called permanent or universal life insurance provides lifelong protection like term insurance but is also has an investment component. Its cash value grows at a guaranteed rate over your lifetime and accumulated gains are tax free.

We’ll help you sort out which type is best for you and offer a range of personal insurance products including: