Insurance

Term Life Insurance

Term life insurance is a cost-effective choice if you face growing responsibilities on a limited budget, expect your financial responsibilities to decrease after a limited period or want to free your funds for other uses.

We offer a variety of options to provide you with flexibility to build an insurance program based on your individual insurance needs.

Insurance that Protects

• Loans - Term life insurance proceeds can help pay off your mortgage if you or your spouse were to die. And a mortgage isn’t the only financial burden your family may face when you die. Term life insurance proceeds can also help pay off car, business or personal loans.
• Education Expenses - Your children’s educational needs can increase your family’s financial needs. You may have already borrowed some or all of this expense. With term life insurance this budgetary need may be fulfilled.
• Financial Stability - Term life insurance proceeds provide a source of income for your family when they need it most.

Protection that Saves

• Starter Coverage - Term life insurance provides economical coverage for a specified period of time, such as 10, 15, 20, 25, or 30 years. You choose the coverage period that suites your family’s needs and financial budget.

Whole Life Insurance

Whether you are just starting out or planning for retirement, Whole Life insurance is designed to protect you and your family for your whole life. You will gain a sense of security knowing this permanent life insurance can never be canceled as long as you pay the premiums.

Whole life insurance offers a wide range of additional guarantees that we can go over with you.

Protection, Conservation, Continuation

Whole Life is ideal for many of your needs today. Consider using it when planning for:

• Estate Conservation - Guaranteed liquidity to cover estate settlement costs.
• Business Continuation - Guaranteed cash value, death benefit and premiums to finance business needs.
• Charitable Giving - Convert your current term insurance to this guaranteed, permanent plan at very affordable rates with no proof of insurability.
• Impaired Risk - Guaranteed premiums for individuals with increased health, occupational or avocation risks.

Universal Life Insurance

A universal life insurance policy gives you the flexibility to choose the amount of protection that best fits your needs. Flexible death benefit amounts and premiums allow you to keep pace with today’s changing life circumstances while building tax-deferred cash value.

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Contact us at 563-588-1000 for more information.

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Non-deposit Products
Are not FDIC Insured;
Are not deposits;
May lose value.