Life Insurance

Securing the Future for Your Family

No one can tell what the future holds, but you can make sure your loved ones won’t struggle without you. We offer a variety of products that fit any budget to protect your family’s future. Generally, there are two types of Life Insurance:

  • Permanent insurance (aka: Whole Life, Universal Life) is paid upon the policy owner’s death. As long as the premium is paid, and there are no loans against the benefit, the full-face amount of the policy will be paid to the Beneficiary. Designed to last a lifetime, whole life policies build cash value that can be used by the policy owner throughout the policy period.
  • Term insurance provides protection for a specified period of time. The benefit is paid only if the policy owner should perish inside that predetermined period. Most clients select term coverage to cover their beneficiaries for a period of time when they are more vulnerable.

We recommend you discuss your needs and unique goals with one of our agents to determine which type of coverage or specific policy form is best for you.

Francis Hall Insurance Services