Permanent Life Insurance

Whole Life Insurance

Whole Life Insurance combines the security of lifetime insurance protection with the advantages of tax-deferred cash accumulation. In addition to providing a death benefit, Whole Life policies also guarantee that premiums will remain level throughout the life of the policy. This allows owners to build the cost of their coverage into their long-term financial plans.

People who purchase Whole Life generally want to ensure that when they die, money will be available to pay final expenses, fund college costs, pay estate taxes, care for an elderly parent, or simply allow loved ones to maintain their lifestyles.

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Children’s Whole Life Insurance –

It is not about the Death Benefit…It’s about Guaranteeing their future!

Whole Life Insurance combines the security of lifetime insurance protection with the advantages of tax-deferred cash accumulation. In addition to providing a death benefit, Whole Life policies offer a HUGE benefit for Children – Locking in Insurability for life!

With Guaranteed Insurability Rider (GIR) guarantees policy owners the right to purchase a specified amount of insurance without evidence of insurability on election option dates.

*8 Option Dates in the future ( Ages 25,28,31,34,37,40,43 and 46 )

My Story   –    “I have a client whose son was diagnosed with Juvenile Diabetes when he was 8 years old; thankfully we bought a plan ($25,000 WL with $50,000 GIR Rider) like this for him when he was 5 years old. He is now entering collage and couldn’t purchase life insurance if he had it too. But the Rider kicks in a few years and he has the option to purchase up to $ 400,000 in Life Coverage if he needs to ……… and he will at the Standard Rate – NO medical questions asked.”   ~ Michael O’Brien – Agent


 Universal Life Insurance

Universal Life insurance combines the security of lifetime insurance protection with the advantages of policy flexibility and tax-deferred cash accumulation. The difference between Universal Life and other forms of permanent coverage is the flexibility it offers. Within certain limits, policy owners can increase or decrease their death benefit according to their changing needs without having to purchase a new policy. Likewise, owners can increase, decrease, or cease paying premiums altogether provided the policy has sufficient cash value.

Like people who buy Whole Life insurance, people who purchase Universal Life generally want to ensure that money will be available to pay final expenses, help fund college costs, pay estate taxes, care for an elderly parent, or simply allow loved ones to maintain their lifestyle.