Catered insurance for your busy life
Personalized Life Insurance Planning
As your life changes with milestones, maybe a marriage, a new baby or job promotion, so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should consider any associated costs before making a purchase.
Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age and has additional charges for modifications that customize a policy to fit your individual needs. We help you through the entire process to make sure you have the best coverage for your unique needs and budget.
A Policy That Fits
The two primary types of life insurance are Term life and Permanent life.
Term Life Insurance
- Offers financial protection and level premiums for specific time periods.
- Maximum protection for a low premium.
- While they don’t build cash value, some policies can later be converted to permanent life insurance.
Permanent Life Insurance
Whole Life Insurance
- Premiums stay the same over the entire life of the policy
- Guarantees cash value accumulation
Universal Life Insurance
- Flexible Premiums
- Cash Value Accumulation
- Optional Long Term Care Rider
What Our Clients Say
Crystal Shepherd put a quote together for me. She was not only very professional but she was a joy to speak with. So many people these days make you feel like you are bothering them when you ask them anything. Crystal made me feel like I belong here and she was happy to speak with me.Cherryl Walker 11/26/2019