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Life insurance is personal.

When you think about what you treasure most in life, it’s the people you love and want to protect. Your unique situation and goals determine how much life insurance you need and your reasons for getting covered. In addition, these needs can change as your life changes. Our agents often receive questions about when and why to consider life insurance, and are in a great position to help you determine the right product and amount of coverage, for your unique circumstances.

Call us or fill out the form to discuss your options with a life insurance expert today.

We offer the following coverage options:

  • Term Life Insurance - designed to last a specific period of time, or "term", usually the years when you need coverage most.
  • Whole Life Insurance - created as permanent life insurance to last a lifetime with premiums that never change. This policy can also accumulate cash value that you can borrow against.
  • Universal Life Insurance - a highly customizable policy that can provide a lifetime of coverage (permanent life insurance) with flexible premiums and benefits. This policy can also build cash value to help pay for expenses during retirement and more.
  • Member Loyalty Accident Insurance - exclusive to AAA members, this policy helps cover the costs of recovery or loss of life from a covered accident. No health questions or medical exam required.
  • Annuities - these products can provide a secure way to grow your money for retirement.

Why and when do you need life insurance?

It’s never too late or too early to get life insurance. Did you just graduate? Start a family? Dreaming of retirement? Protecting your loved ones and preparing for your future are just a couple of reasons why owning a life insurance policy is important.

Watch this short video to learn more.

What Kind Of Life Insurance Do I Need?

Life insurance is generally structured through two basic product types: temporary and permanent. Temporary, or Term Life insurance, is usually the most affordable type, and helps financially protect you and your family for a set period of time (typically 10-30 years). Permanent insurance includes Whole Life and Universal Life. Both types last a lifetime as long as premiums are paid and can build some cash value over time. Universal Life is more flexible, offering additional features and options, while Whole Life is designed to take care of your final expenses.

Watch this short video to learn more.

How Much Life Insurance Do I Need?

Over the years, our needs and priorities shift as our lives evolve. These changes are reflective of the natural stages of life — and just as our needs for financial priorities such as cars and houses change with time, so do our needs for life insurance:

Many Priorities to Protect An adult with a growing family might consider coverage that helps to protect many financial priorities for a set period of time. The coverage will be there to help ensure the family maintains their standard of living, stays in the home they love, and can pay for the children’s education.

Exploring a Legacy A retiree ready to think about leaving an inheritance might consider a flexible permanent policy with a wider coverage range. The coverage amount can help to supplement retirement funds as needed, and later provide a memorable legacy to the policy beneficiaries.

Simple Coverage Needs When seeking a source of reliable funds to take care of smaller costs, such as final expenses, one can consider a simple, permanent product with a modest coverage amount.

Watch this short video to learn more.