RISK MANAGEMENT

LIFE INSURANCE

Term and Permanent Life Insurance 

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during that term. 

 

Permanent insurance, by contrast, provides lifelong protection. As long as you pay the premiums and no loans, withdrawals, or surrenders are taken, the full amount will be paid. 

 

It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals. Often, a combination of term and permanent insurance is the right solution.

DISABILITY INSURANCE

Your ability to earn a living is far and away your largest asset. Learn how to protect your paycheck if you become unable to work in the event of sudden injury or illness.

Personal Disability Insurance

LONG-TERM CARE INSURANCE

A chronic illness or injury resulting in the need for long-term care can quickly deplete your life savings. See how long-term care insurance can give you independence and peace of mind.

Traditional and Hybrid Solutions