Life Insurance

Term or Whole Life?

Don't be confused. I represent several companies and depending on your goals or the type of protection you need I can help you with recommendations.

I offer a permanent policy that can guarantee your approval up to $100,000.00 regardless of health, with no exams and no health questions.

Protect your family

We can cover your spouse, children and grandchildren..

Living Benefit

In the event of a chronic condition or dementia, let your policy provide you with a monthly income. See brochure below for details.

Guaranteed Approval is for a limited time and only for full-time State employees. (simple qualification for spouse, children, and grandchildren

Coverage is subject to premium payment. The amount of premium and any charges determine if lapse protection is in effect. Loans, partial surrenders, policy changes, and delinquent premium payments will affect the length of the protection. Lapse protection does not apply to policy value. Consult policies for benefits, riders, limitations, and exclusions. Most policies have a two year limitation on suicide. Policy features and riders vary by states and may not be available in all states.

Some products may not be available by payroll deduction, please request information as to what is available.

Life Insurance

Term or Whole Life?

Protect your family

Living Benefit

Rates and enrollment form

All policies I offer are portable and not affected by changes in employment.