Under the permanent life insurance umbrella lies a variety of different products, most notably Whole, Universal and Final Expense. These products typically carry a cash value if funded correctly that can be borrowed against or used for certain life events. These products typically carry much higher premiums than term because the death benefit is guaranteed if premiums are paid and policy is funded correctly. As always, it’s best to contact me for the right plan when it comes to term or permanent life insurance.

We have many exciting and innovative ways to fund retirement or retain key employee’s with Indexed Universal Life insurance policies. We can provide illustrations that will help meet your needs. In addition, there are much lower cost permanent plans if funding retirement or obtaining loans is not your objective.

Permanent insurance usually requires a little more thorough needs analysis. The questionnaire will help get us started and allow us to reach out to you.