Pays for funeral and burial costs
Covers outstanding medical bills
Prevents loved ones from taking on debt during an emotional time
Life Insurance is about protection
Life insurance is about protection — protection for the people you love most. It ensures your family isn’t left with financial stress during an already emotional time. From covering final expenses to preserving savings and income, the right coverage helps safeguard the legacy you’ve worked hard to build. It’s not just a policy — it’s peace of mind for the future.
Common uses For Life Insurance
Covering Final Expense
Income Replacement
Leaving a financial legacy
Provides inheritance for children or grandchildren
Supports a surviving spouse’s financial stability
Allows gifts to churches or charitable organizations
Term or Whole life coverage?
Provides lifelong coverage as long as premiums are paid
Offers permanent life insurance protection with potential for tax-advantaged cash value growth
Allows access to accumulated cash value through loans or withdrawals for retirement or other financial needs*
Delivers stable, predictable premiums and a guaranteed death benefit for long-term security
Replaces lost household income
Helps cover mortgage or rent payments
Keeps everyday living expenses on track
Provides coverage for a specific period of time
Pays a guaranteed death benefit with no cash value component
Typically one of the most affordable types of life insurance
Ideal for families whose debts and income replacement needs exceed their current savings
*Withdrawals and loans will reduce the cash value and death benefit of the policy.
When Do I Need Life Insurance?
Major life events can significantly impact your life insurance needs. You may want to consider layering policies to increase coverage during key seasons of life — such as raising children, paying off a mortgage, or launching a business. As responsibilities change, your protection strategy should evolve with them.