Available Coverages

How Does Life Insurance Work?

Term Life insurance has you covered for the duration you choose and your rates are fixed no matter your health condition. Should the insured pass away the insured amount is paid in full to the beneficiaries.

Who Needs Life Insurance?

Life insurance can pay for funeral costs, provide income replacement in the event of a fatal accident, and give peace of mind to yourself and the ones you love.

Is Life Insurance Affordable?

Depending on the health condition of the insured rates vary. Being honest when filling out the application questions is the best way to receive the most accurate quote and using the quote widget above, you can compare rates in real time to get the most affordable premiums.

Term Life


Term life is life insurance that covers the insured for a term of time, if the insured passes away within the term the death benefit will be paid to the beneficiary designated.

Index Universal Life


Index Universal Life is life insurance that covers you for your whole life, so no matter when the insured passes the death benefit will be paid to the designated beneficiary, while similar to "Whole Life" coverage Index Universal Life insurance is one of the most popular TAX FREE retirement vehicles. Most IUL policies gain at a guaranteed rate of 6.5-8% interest while your normal savings account accrues at 1% or less and other retirement vehicles accrue at 3-5% making this one of the smartest and safest ways to save for retirement whilst giving your family peace if mind as this option is also a life insurance and has a death benefit where as no other retirement vehicle offers that option. 

Whole Life


Whole life coverage is life insurance that covers the insured for their whole life, so no matter when the insured passes the death benefit will be paid out to the designated beneficiary, in addition to providing coverage to the insured for their whole life these policies also accrue what is called "cash value" a small amount of money that comes from the base premium and accrues value over time that can be borrowed upon later. 

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Living Benefits

Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury. The use of the benefit is unrestricted with the exception that ABR proceeds for chronic illness in the state of Massachusetts can only be used to pay for expenses incurred for Qualified Long-Term Care services.* Since the benefit is unrestricted, once you qualify, you can use the benefit for any reason. Benefits might be used for, but are not limited to:

• Household expenses

• Adult Day Care

• Home modifications

• Regular bills

• Nursing home care

• Quality of life expenditures

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