Get the most out of life insurance. We have lots of options to help.
Term life insurance
With options available for 10, 20 or 30 years and rates that never change, this is simple and affordable coverage.Learn more
Permanent life insurance
Coverage for your entire life that builds cash value over time. Heck, you can even borrow against it, tax free.Learn more
Invest in the wellness of your employees with a unique package of benefits that fit their individual needs.Learn more
Stay healthy and strong. We’ve got insurance to extend medical expenses not covered by government plans.Learn more
Insurance for all the things you love
We’ll make sure your family is in a comfortable financial position if the unimaginable happens – through life and health insurance. Life is short, so spend less time worrying and more time getting out there and enjoying it. Beyond life and health insurance, did we mention we have insurance for all the other things you love? So, if you’re planning a wedding, buying your first minivan, home, or business, we’ve got insurance for all that too.
Term vs. permanent life insurance
There are generally two kinds of life insurance. The first is called term life, which covers you for a specific period of time – usually to protect your family during a new life stage, like getting a mortgage, buying a new business or having a baby. The second, called permanent life, provides coverage for your entire life and builds up cash value that you can use during your lifetime. Talk to one of our insurance experts for more details.
Why life insurance?
Family financial security
Most people buy life insurance to keep their loved ones financially secure and able to cover expenses like mortgage payments if the unimaginable happens.
Leave a legacy
Some people will use their life insurance to contribute to social good and create a legacy by leaving a charitable gift to their most treasured causes.
Backup for a rainy day
Some life insurance policies include a tax-free savings component that you can use in a pinch, if you really need it. We can help you sort out the details.
Boost your retirement
If you never need to use your insurance for a rainy day, you may be able to use it later in life. Use the investment to help with living your best life.
Good to know: Common questions about life and health insurance
How life and health insurance work, what they cost and other things you should know:
How much is life insurance?
Life insurance premiums depend on a bunch of things including your age and gender, personal and family health history, whether you smoke or drink, what kind of policy you get and what benefit level you choose. Premiums start as low as $10 a month and can go up to $500 a month.
How much life insurance is enough?
It depends on what you can afford and what your family needs. For example, if you earn $50,000 a year and get $500,000 in coverage, your family will be able to maintain the same standard of living for 10 to 15 years if you pass away. If you have older children that could be plenty coverage. If you have younger kids, you may want to consider more. If you’re a 30-year-old healthy female who doesn’t smoke, $500,000 worth of coverage on a 20-year term will cost less than $25 a month.
What’s the difference between term life and permanent life insurance?
In terms of cost, term life premiums can be super affordable if you start when you’re young and healthy – but will increase over time on renewal. Permanent life is more expensive to start at any age, but the premiums never go up. Good to know: a term life policy can be converted into a permanent one if you change your mind.
What’s not covered by life insurance?
Most causes of death are covered. Suicide (especially in the first two years of the policy) or death while committing a crime are usually excluded. If you’re seriously ill when you buy a policy, it may affect your premiums or your illness may not be covered as a cause of death. We’ll go over all the details with you and make sure you understand your coverage.
Does life insurance cover cancer?
Yes, most life insurance policies cover cancer, unless you already have cancer when you buy the policy. Pre-existing conditions may be excluded.
Why health insurance?
Health insurance can be a good way to manage your family’s healthcare expenses and protect yourself in the event that you are faced with more substantial health costs due to an illness or injury. Root canals, for example, can cost thousands of dollars. Prescription drugs for some conditions can cost several hundred dollars a month.
How much is health insurance?
Health insurance plans start as low as $80 a month for individuals and $200 for families. The exact premiums you pay depend on the level of coverage you choose.
What does health insurance cover?
Health insurance policies can be tailored to your needs and budget. Most policies would provide coverage for:
- Prescription drugs up to an annual limit, and you would have a co-pay, meaning that you pay 10 or 20% of the cost of the prescription.
- Dental care – a certain amount for checkups and coverage for more complex procedures like extractions and root canal. Co-pay applies.
- Vision coverage – Typically covers an eye exam and new glasses every two years.
- Coverage for 3-10 annual visits to specialists like massage therapists, psychologists, chiropractors and social workers.
- Many plans offer some coverage for home nursing, hearing aids, ambulance and hospital costs.