Permanent & Term Life Insurance in Maryland, North Carolina & Virginia

You are your most valuable asset! Whether protecting your family or your business, life insurance is an important step in planning for your future and the future of the ones you care about.

When is the last time you reviewed your life insurance needs? Statistics show that our needs change every five years. Personally, consider the changes that occur like marriage, the birth of a child or a new job.

Types of Life Insurance

There are two basic types of life insurance: Permanent and Term (Temporary).

1) Permanent Life Insurance

This insurance coverage addresses those needs that last your entire life. Permanent life insurance builds a cash value that increases the longer the policy is in force. Permanent life insurance is good to consider for needs like final expenses, funds to cover estate taxes and retirement savings protection.

2) Term Life Insurance

Term (temporary) life insurance is good to protect short term or specific needs such as home mortgages, family income and education expenses. It provides affordable coverage for a specified number of years.

The amount of life insurance you have should be based upon your personal and financial needs. We can assist you in determining the amount and type of life insurance you choose.