A common belief about life insurance is that it’s complex and difficult to understand. And at times, it can seem to be. When you consider all of the options available to you such as types of life insurance, additional riders, face amounts, cash value accounts, etc. the details can get overwhelming.

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Life insurance is a simple concept which is fairly easy to understand and we will guide you along the way.  Life insurance is a contract involving three parties – an insured person, a life insurance provider and a beneficiary. Depending on the product, it is designed to pay a benefit to the beneficiary or beneficiaries when the insured person dies or becomes critically ill.

Life insurance death benefits are generally free from federal income tax, making them an attractive option when it comes to legacy planning.