Personal Insurance

When reviewing your overall financial goals and needs, adding personal life insurance is a wise decision. This is something to consider, particularly in the event of a new home purchase or at mortgage renewal time. Personal life insurance is a superior alternative to mortgage insurance.

Your insurance options are:

  • Term
  • Whole Life
  • Universal
  • Disability Insurance
  • Critical Illness Insurance
  • Creditor Insurance/Mortgage Insurance

 

 

By choosing personal life insurance you receive:

  • Life insurance protection for an amount YOU choose with the flexibility to reduce this amount as your needs change.
  • A plan that will keep your premiums level for 10, 20 or 30 years, or your lifetime.
  • Temporary coverage for a specified period of time, or have it for life.
  • If you’re deciding on life insurance to cover your mortgage, the benefit amount remains the same, even as your mortgage is paid down!
  • Also, life insurance death benefits are a tax-free payment to your named beneficiary and by-pass the estate, saving probate costs and time.