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Many people think that life insurance is only for those with families. White it is true that life insurance can help provide for the needs of dependents when you pass away, it's also important for someone starting out - or for someone who is starting over.

Individual insurance can provide financial security for your family or business. Yet, where do you start? There are so many policies available today that it can become very confusing. We can make the process of choosing the right coverage a less painful experience and can offer a full line of products for all your needs. Everyone, regardless of age, needs life insurance protection.

Individual Products

Universal Life - Total flexibility in premium, death benefit and investment element.

Traditional Life - Whole Life and Interest Sensitive Contracts offering high yielding tax deferred cash values

Variable Life - Governed by Securities and Exchange Commission due to investment focus; sold only through prospectus.

Mortgage Life

Mortgage Disability Income

Term Life

Disability Income

Universal Life Insurance

Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change. Some changes require underwriting approval. As with all life insurance, the main purpose for buying a Universal Life insurance policy is the death protection provided to your loved ones at your death.

Traditional Life

Permanent life insurance coverage for as long as you live and continue to make timely premium payments. With level premiums and the accumulation of cash values, whole life insurance is a good choice for long-range goals. The guaranteed cash values can provide money later on to help with temporary needs or emergencies.

Variable Life

Variable Life Insurance - also called Variable Appreciable Life Insurance - provides permanent protection to your beneficiary upon your death. This type of life insurance is "variable" because it allows you to allocate a portion of your premium dollars to a separate account comprised of various investment funds within the insurance company's portfolio, such as an equity fund, a money market fund, a bond fund, or some combination thereof. Hence, he value of the death benefit will not fall below a specified minimum, a minimum cash value is seldom guaranteed. Variable is a form of whole life insurance and because of investment risks it is also considered a securities contract and is regulated as securities under the Federal Securities Laws and must be sold with a prospectus.

Mortgage Life

Mortgage protection life insurance is simply insurance that is meant to pay off your mortgage in case of your death while the mortgage is not fully paid.

The original type of mortgage life insurance followed the amount of the mortgage balance so, as your mortgage obligation decreased, so did the amount of insurance. Today it usually makes more sense to get mortgage life insurance equal to the original mortgage amount but instead of a decreasing amount of insurance, you simply get the most inexpensive level term insurance.

Short Term Disability

Short term disability (STD) pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance). A typical STD policy provides you with a weekly portion of your salary, usually 50, 60, or 66 2/3 percent for 13 to 26 weeks. Most STD policies have a "cap," meaning you receive a maximum benefit amount per month. You generally start receiving money from your STD policy within one to 14 days after becoming sick or disabled. The actual time for coverage to kick in depends on whether you suffer an illness or injury. If you suffer an injury, your benefits will be paid immediately. If you suffer an illness, it will take longer because there needs to be enough time to show that the illness is grave enough to be disabling.

Long-Term Disability

Not all individual disability income insurance policies are alike. consider these features when comparing policies:

Some policies pay benefits if you are unable to perform the duties of any occupation for which you are resonably qualified by training, experience, and education. Other policies pay benefits if you are unable to perform the major duties of your own occupation. Many policies combine these features, providing "own occupation" coverage for an initial period, such as one or two years, and "any occupation" coverage after that. Some policies also pay benefits if you become ill or injured and are unable to earn a specified amount, such as 80 percent or less, of your income.

The amount of income you would receive when disabled varies by policy. However, benefits from all sources are usually limited to 70-80 percent of your monthly salary. Policies that pay 50-60 percent of your salary are most common. Most policies do not replace commission or bonus income.

If you purchase your own policy, your disability benefits typically are not subject to income taxes. Benefits are taxed, however, if your employer pays for the disability insurance coverage.

Policies have either level premiums (intended to stay constant over the life of the policy) or premiums that increase as you age. If you plan to keep your policy in force long-term, a level premium policy may be appropriate. If you are uncertain about how long you will need the insurance, a policy with premiums that increase with age may be the better choice.

Policies have different waiting periods (called elimination periods) before you begin receiving benefits. You can lower the premiums you pay by waiting 90 days, six months, or even longer before starting to receive benefits.

If you go back to work after recovering from a disability and suffer a relapse within a specific period of time, such as six months, most policies do not impose a second waiting period.

The length of time that benefits can be received varies by policy. Some indiividual policies pay benefits for a specified period of time, such as six months, most policies do not impose a second waiting period.

The length of time that benefits can be received varies by policy. some individual policies pay benefits for a specified period of time, such as two or five years, while others pay benefits until age 65 or your retirement age under Social Security.

Some policies require total disability before payment begins, while other policies cover partial disability.