Life Insurance is much like a glove, everybody has a different size requirement and a different need or usage. Most of us need some form of Life Insurance. Particularly, If you are young and have family responsibilities YOU NEED Life insurance to protect your young family from financial hardship, if you should die. As we age Life Insurance may be used for more than protection like retirement or passing on wealth to your heirs. Whatever your Life Insurance needs are, I can help you decide what type is best, how much coverage or if you even need Life insurance. I am not going to sell you something you don't need just to fill a quota. Being independent, I have access to many different carriers allowing me to give you great pricing among many A rated companies, not just one company.

There are many different types of Life Insurance: Term, Whole Life, Universal , Variable and  Indexed. Let me briefly, describe each type based on the same face value or dollar amount: 1.) Term is pure insurance, limited coverage period, no cash value and is usually the least expensive. Whole Life builds cash value and may not be applicable in all cases and is more expensive than Term. Universal is more flexible with premium payments and also builds cash value and is less expensive than Whole Life. Variable uses the Stock Market to grow cash value and could lose value, the premium is similar to Whole Life. Indexed uses Stock market indexes to grow cash value, however, there is very little downside risk, premiums are generally less than Whole Life. All the above insurances except term are considered permanent insurances. Please contact me for more information 1-920-680-5898 or 1-866-450-2369.