Frequently Asked Questions

Q: What is Term Life Insurance?

A: A life insurance policy which provides a stated benefit upon the holder's death, provided that the death occurs within a certain specified time period. The policy does not provide any returns beyond the stated benefit.

Q: What is Universal Life Insurance?

A: Life insurance which combines the low-cost protection of term insurance with a savings component that is invested in a tax-deferred account, the cash value of which may be available for a loan to the policyholder. Premiums are flexible.

Q: What is Whole Life Insurance?

A: Life insurance which provides coverage for an individual's whole life, rather than a specified term

Q: What is Variable Life Insurance?

A: Life insurance for which the amount of the payments is determined by the performance of the underlying investments chosen by the policyholder.

Q: What is an Immediate Annuity?

A: Benefit payments begin very quickly, usually within one year of the time it is purchased

Q: What is a Deferred Annuity?

A: A premium is paid to the insurance company which issues a contract promising to pay interest or gains made on the deposit while deferring the income and taxes until you begin to withdraw funds.

Q:: How do I get a quote?

A: Fill out the form on our website and click submit. A licensed professional will contact you. They will consult with you and give you a personalized quote.

Q: How do I get a free Annuities consultation?

A: Fill out the form on our website and click submit. A licensed professional will contact you and give you a free consultation and a personalized quote.

Q: How do I get a free Annuities booklet?

A: Fill out the form on our website and click submit. A licensed professional will e-mail you a free annuities e-booklet.

Q: How much insurance do I need?

A: Do you have a mortgage, debt, dependants? Fill out the life insurance or annuities form and have an insurance expert guide you.