Life Insurance

Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.

Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

Term Life Insurance

Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Whole Life Insurance

Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.

Guaranteed Universal Life Insurance

An excellent choice for people who are more focused on a guaranteed lifetime death benefit, than on accumulating cash value.

Fixed Indexed Universal Life Insurance

FIUL insurance is permanent life insurance with policy performance tied to a market-driven index. This allows policy cash values to grow with market indexes while the guaranteed product floor protects against market index loss. FIUL products provide lifelong flexible protection with strong cash accumulation potential and play an important part in creating a secure tax-advantaged financial plan.

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2281 Lava Ridge Ct
Suite 200
Roseville, CA 95661
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