Insurance agencies come in two types, captive and independent. The difference is that a captive agency represents only one insurance company, and an independent agency represents more than one insurance company. We're independent because it helps us better serve your insurance needs. We match you with the right company and the right policy.
As a general rule, you need 8-12 times your annual income in life insurance. Try our needs calculator below to get a better idea about what's right for you.
There are only two types of life insurance, whole life (sometimes called permanent insurance) and term life insurance with variations of each.
Term life insurance is coverage you buy for a specific time period, such as 5, 10, 20, 30, or even 40 years. It's an affordable, practical solution for families with children at home.
Whole life insurance is meant to be in effect for life. Traditional whole life insurance provides lifetime coverage and accumulates cash value over time.