Life Insurance Products

Throughout your life, events like marriage, the birth of your children, and retirement change your insurance needs. Depending where you are in your life will determine which type of and how much life insurance is most appropriate for you. One of our hometown Agents can help you determine if you need whole life or term life insurance.

Whole Life Insurance

• It can provide coverage for your entire life and also builds cash and loan value with premium payments

• Premiums never increase and coverage never decreases

• Whole life is generally more expensive than term life Insurance because coverage lasts a lifetime

Term Life Insurance

• Term life insurance provides coverage for a limited period of time

• After that period, policyholders typically pay increased premiums to continue coverage

• Term life insurance is usually less expensive than whole life insurance

Cancer Insurance Products

Cancer shows no favoritism. Everyone is at risk. Cancer isn’t just a devastating disease. Cancer can also be devastating to your family’s finances. But if you are diagnosed with cancer, you don’t have to endure the financial strain of cancer alone.

Cancer Endurance

The Cancer Endurance Plan is designed to pay a one-time, lump sum First Occurrence benefit, with additional specified benefits payable for the treatment of cancer. The plan’s benefits do not reduce as you age. And, most benefits have no lifetime maximums, meaning our plan will be with you or your family member for the entirety of treatment, providing benefits repeatedly when help is needed most (subject to payment of premiums).

Cash Cancer

The Cash Cancer Policy is a one-time, lump sum benefit supplemental policy for the first-time written diagnosis of cancer. Choose a cash benefit amount up to $50,000 to be used in whatever manner you see fit. Use it for deductibles and coinsurance or any treatment you and your doctor deem appropriate. Use it to help cover lost income, pay the mortgage, or other bills.

Critical Illness Insurance

Even though a person’s chances of survival have increased, surviving a critical illness comes with a cost! Be prepared financially with Critical Illness Protector.

The Critical Illness Protector is designed to pay a one-time, lump-sum benefit upon first written diagnosis of a covered critical illness. Covered illnesses include: heart attack, major organ transplant, stroke, total loss of eyesight, end stage renal failure, total loss of hearing, and may cover cancer (if requested).

Accident Insurance

Accidents can happen anytime, anyplace, 24 hours a day. You need around-the-clock protection.

Accident Protector Max

Accident Protector Max is designed to provide coverage for certain losses resulting from a covered accident only and is subject to any limitations contained in the policy. Coverage is not provided for any loss resulting wholly or partially from sickness.

Accidental Death

Accidental Death gives you the full coverage listed in your policy until you reach age 75. We cannot cancel, restrict, or refuse to renew your policy as long as you pay premiums and have not reached age 75. Premium rates for the Accident Policy are guaranteed.