Life | Mortgage Insurance
 

Level Term
Temporary insurance to cover set amount for set period of time.  Most common for mortgages, and to obtain large amounts at lowest possible premium.  Periods between 10-30 years are available starting at $50,000.  No cash value.

Return of Premium Term
Term insurance hybrid.  Portion of premiums returned if death does not occur, and policy kept for certain numbers of years.  full return of premium if death does not occur, and kept for full level period.  Periods between 15-30 years.  $100,000 minimum benefit.

Universal Life
Permanent insurance.  Policy performance determined by interest rates.  Premiums can be adjusted.  $25,000 minimum benefit.  Potential for cash value accumulation, which can be accessed by withdrawal or loan.

Whole Life
Permanent insurance.  Policy performance determined by dividends.  Several dividend options available.  Set premiums.  $10,000 minimum benefit.  Cash value can be accessed by loan.  
 

Disability Income Replacement

Policy replaces portion of income in the event of disability.  Claim must be approved by company, whereby monthly benefit is paid after set waiting period, until client able to return to work or reaches end of benefit period selected.

Long Term Care

Policy provides benefit in the event of long term care needs, including in-home care, assisted living and nursing home care.  Claim must be approved by company, whereby monthly benefit is paid after set waiting period as long as client qualifies for care, or until end of benefit period.  NY Partnership plan available.  

Cancer | Accident | Specified Disease

Coverage for these incidences available with Aflac.