Individual life insurance can be used by those who survive you for many different purposes, such as paying off a mortgage, providing living expenses, paying for a college education, keeping a business going, giving money to a particular charitable cause, and any number of other things.

We work with you to help you select the appropriate type and amount of life insurance to fit your unique needs.

Individual life insurance can be provided on a term or "permanent" basis.

Term Life Insurance is protection you buy for a specific period of time (term). Ordinarily, the term is 10 or 20 years. If you die before the end of the specified term, your beneficiary will be paid the amount of your policy. Your premiums are level, which means they won’t change during the term. Under some policies, you can continue your term coverage for an additional period, but your premium will increase. With term insurance, you will not build cash value.

"Permanent" Life Insurance is designed to protect you for a lifetime. Your premium remains level throughout the life of the policy, although you can increase or decrease the amount of coverage by varying the premium payment. As long as you pay the premiums, the policy stays in force. The policy can build cash value through various investments that are available from the life insurance company.