There are two basic types of life insurance.

The first type is Term. It is less expensive and meant to cover a specified number of years, or the “TERM.” Term insurance is meant generally to replace income should the wage earner die while others are dependent on that person. We offer many types of term insurance. If you are looking for a specific type, just let us know. Chances are we offer what you want. The most common types are level premium with level death benefit over a term of 10, 20, or 30 years.

The Second type of coverage is Permanent. The group of permanent type policies (including Whole Life and Universal Life) are generally more expensive but are meant to last your entire life. We recommend that everyone carry at least some permanent insurance to pay for final expenses. There are many types of permanent life insurance policies. If you have a specific type of plan that you want, or specific needs, please indicate at the bottom of this form. Otherwise, we will provide you with a quote and explanation of the type of policy that seems to suit your needs the best.

We recommend you consider at least 5 times your annual earnings if you have dependents.