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.

Permanent life insurance

Coverage for your entire life that builds cash value over time. Heck, you can even borrow against it, tax free.

Group insurance

Invest in the wellness of your employees with a unique package of benefits that fit their individual needs.

Insurance for life and all the things you love

We’ll make sure your family is in a comfortable financial position if the unimaginable happens – through life 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 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. 1-800-731-2228.

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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 house mortgage, buying a new business or having a baby. The second, called permanent life is the one most people buy. It provides coverage for your entire life and builds up cash value, that you use to invest or borrow money. Talk to one of our insurance advisors for more details. 1-800-731-2228.

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Why life insurance?

Family financial
security

Most people buy life insurance to make sure their loved ones are financially secure and are able to cover bills, mortgage payments and keep the family business running 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 assist you with long-term and retirement care.

Good to know: How much is life insurance? And other questions

How life insurance works, what it costs and other things you should know are answered below:

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.

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, you’re family will be covered for income 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.

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.

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. Don’t fret about the details, we’ll make sure you know what’s in your coverage.

Yes, most life insurance policies cover cancer, unless you already have cancer when you buy the policy. Pre-existing conditions may be excluded.