Considered temporary insurance as protection is provided for only a specific time period. No cash values accumulate and generally the policy expires at the end of the specified time period. Term insurance can be used to cover an auto loan or a mortgage. It can be used to provide an immediate estate during the child rearing years.

Term lengths available are 5, 10, 15, 20 and 30 Years.

Forms of traditional life insurance, sometimes called ordinary life. Usually a basic policy can serve as the foundation of your life insurance program because it provides guaranteed coverage which will not decrease or run outLarry with Client as the years go by, and guaranteed cash values that can provide a ready cash reserve. In recent years, permanent life insurance has become a great investment vehicle, as most permanent policies are paying a substantially higher interest rate than many other investments.

A modern concept designed to take advantage of the best features of both term and traditional policies, Universal life will provide a combination of life insurance protection and a savings fund which is credited with a current rate of interest.

Often referred to as the opposite of life insurance because they are designed to make funds available while the purchaser lives. With an annuity you pay premiums, in a lump sum or installments, expecting to collect the benefits for yourself an annuity offers:

• A competitive investment yield
• Tax deferment of interest earnings
• A guaranteed life-time Income

Annuities can also be used in retirement programs such as an IRA, SEP, KEOGH, or a TSA.