Frequently Asked Questions

Initially, term life insurance costs less than whole life, but costs can increase over time. Whole life costs never increase, guaranteed. Term life covers you and your family for a specific period of time, such as throughout your mortgage period. Whole life insurance can provide benefits during your lifetime and after you’re gone. It may make good financial sense to purchase both.Add an answer to this item.

For many people long-term care is synonymous with living in a nursing home. Actually, there are more options than ever to help you maintain comfort and dignity during a care need, including receiving care in your own home. Preparing for long-term care should address your health, wellness and personal preferences as well as your financial needs

Specialty coverages are available for first diagnosis cancer, stroke and heart attack, critical care covering the previous two as well as dementia/Alzheimer and some catastrophic issues. There are also coverages for hospital indemnity, short term care and Medicare gap needs to name just a few.swer to this item.