Our firm offers two major types of life insurance - term and whole life. Whole life or permanent life insurance encompasses several subcategories, which are also available, including universal life term.


Universal Life Insurance
This is a premium policy that combines protection against premature death. It has a type of savings vehicle, called a cash value account, which earns a hybrid money market rate of interest. This plan is flexible and death benefits can be changed during the life of the policy within limits, though generally subject to a medical examination.


Term Life Insurance
This form of life insurance covers the member for a specific and certain period of time. A designated beneficiary will be paid at the time of the insured’s death. Premium payment grantees are typically scheduled for 5, 10 or 20 years.

Variable Life Insurance
This policy combines death protection with a savings account that you can invest in stocks, bonds, and money market mutual funds. The value of your policy may grow faster, but you also have higher risk. If your investments do not perform well, your cash value and death benefit may dwindle. However, there are policies which guarantee that your death benefit will not fall below a minimum level.

Variable Universal Life Insurance
This type of policy has features of variable and universal life policies. You get the investment risks and rewards attribute of variable life insurance, together with the ability to adjust your premiums and death benefit that is feature of universal life insurance. For disability insurances, we offer you two policies: Short-Term Disability Insurance and Long-Term Disability Insurance.

Short-Term Disability Insurance
This policy has a waiting period of 0-14 days and the maximum benefit period is for two years.

Long-Term Disability Insurance
This policy has a longer waiting period, which can last from several weeks up to several months. The benefit period however, could be for several years as well up to your 65 birthday.