Cash Value Savings

Universal Life

Universal life insurance offers extended protection, the potential to accumulate cash value, and the flexibility to tailor the policy to your specific needs.

Long term, flexible protection with universal life insurance

You have the flexibility to modify premium amounts, the total insurance coverage, and the duration of your coverage at any time.

If your policy is structured to build cash value, it has the potential to grow over time, offering a financial resource that you can tap into during your lifetime.

When you pass away, will your loved ones be financially equipped to cover your final expenses, debts, and maintain their current lifestyle.

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Ryan Ossola

Insurance Agent

Gain the piece of mind your family deserves

Finding what works for you is our goal

Riders available to further customize your life insurance.

Life insurance riders are like optional upgrades for your policy, allowing you to tailor your coverage to better suit your needs. These additions provide extra flexibility and benefits that might not be included in the basic policy.

Accidental Death Rider

With an accidental death rider, you receive an extra payout in case the insured passes away due to an accident. Typically, this additional benefit matches the face amount of the original policy, effectively doubling the overall benefit. In the unfortunate event of death resulting from accidental bodily injury, the insured’s family receives twice the original policy amount.

Child Term Rider

This rider offers a death benefit if a child passes away before a specified age. Once the child reaches maturity, the term plan can be converted into permanent insurance, allowing coverage up to five times the original amount without the requirement for medical exams.

Waiver of Premium

With this rider, if the insured faces permanent disability or income loss due to injury or illness before a certain age, future premiums are waived. The financial impact of the main breadwinner’s disability on a family can be significant. In such situations, the rider provides relief by exempting policyholders from paying premiums on the base policy until they are able to resume work.

Critical Illness / Long Term Care

These riders grant access to your death benefit if you’re diagnosed with specific qualifying conditions, although they often exclude terminal illnesses covered by a general accelerated death benefit. If you require qualifying long-term care, a long-term care rider enables you to tap into your policy’s death benefit while you’re alive. Depending on the rider, you may be reimbursed for covered expenses or receive a lump sum to use as you see fit.

Let’s Get You Protected

Ensuring your family’s safety is our top priority. Our mission is to offer you protection that empowers you to lead the life you envision, even in the face of unforeseen events. Our team comprises state-licensed representatives who operate as independent brokers, granting us the flexibility to explore a multitude of options. This freedom enables us to deliver the finest coverage tailored to your family’s specific needs at prices that align with your budget.

As your advocates, we work with over 30 top rated insurance companies, allowing us to sift through a vast array of choices on your behalf. Rest assured, we’re dedicated to crafting a personalized plan that best suits you and your family.

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