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On Life Insurance :

Life insurance helps provide your loved ones with a level of financial security after you're gone. You pay a premium, and if the unexpected happens, your beneficiaries receive a death benefit to help them pay for such things as funeral expenses, mortgage, college tuition or retirement.

Term : Term is usually less expensive because it provides death benefit protection without the build-up of cash value. Premiums are level for the period selected - such as 10, 15, 20 or 30 years. You choose the amount of time and the amount your policy is worth. Then, your beneficiary receives a lump-sum payment if you die before that term is over. Some term policies may allow you to convert to a permanent policy without having to get another medical checkup, depending on the conditions of the term policy.

Permanent : A permanent life insurance policy is just that - permanent. It is designed to last your lifetime with regular premium payments. These premiums are typically higher than term, but this is because you are also accumulating cash value in your policy in addition to the death benefit protection.

On Health Insurance :

Insurance against loss by illness or body injury. Health insurance provides coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses. Policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder. Health insurance can be directly purchased by an individual, or it may be provided through an employer. Medicare and Medicaid are programs which provide health insurance to elderly, disabled, or un-insured individuals. There are a number of companies which we provide private health insurance, including Blue Cross, United Healthcare, or Aetna.

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