Individual Life Insurance

Currently available in MD, DC, VA only.

• Term Life Insurance is the least expensive form of life insurance. It provides protection for a limited period of time and does not build cash values. For many situations, term insurance can be the most practical source of coverage. Most term products are available with guaranteed level premiums covering 5, 10, 15, 20 or 30 years. Call our office for more information on this product, or click here to send us an email.
  
  
• Universal Life Insurance offers flexible premium payments, an adjustable death benefit, and cash values that are sensitive to current interest rates. Most contracts pay a current interest rate which is highly competitive with rates available in the money market. However, these rates are subject to change and are not guaranteed over the life of the contract. The guaranteed interest rate is usually very modest and will likely result in a lapse of the policy if additional premiums are not paid. A universal life policy is attractive to people who need permanent coverage but uncomfortable with the market risk/rewards associated with a Variable Universal Life policy. Call our office for more information on this product, or click here to send us an email.