Life is unpredictable, Count on us to be there

LIFE INSURANCE

Protecting Hoosiers for more than 85 years.

 

No matter what stage of life you’re in, a customized life strategy can help protect your future.

 

Learn More

The sooner you put a policy in place, the

more affordable rates can be.

Term Life

With living benefits and income protection, term life is temporary coverage for a specific period of time.

Return of Premium Life

Coverage that is adaptable to meet your changing needs. At the end of your policy you can:

  • get your premium back,
  • keep your protection and never pay another premium again,
  • or a combination of the two.

Whole Life

Protection for your whole life and can be designed so you can use your policy benefits for qualifying chronic illness conditions.

Final Expense Coverage

Protection that remains in force for life, with policy premiums guaranteed not to increase.

Life Insurance

Prepare for Life’s Uncertainties 

 

Life is full of the unexpected, but we’re here to help. We will be with you each step of the way to help you find the right coverage that fits your family's budget. Talk to an agent to learn more! 

 

Learn how to prepare

What will my coverage include?

Return of Premium Life Term Life Whole Life Final Expense Coverage
Reduced paid-up coverage
Information-icon Reduced paid-up insurance allows you to continue your life insurance coverage without paying additional premiums, but the initial death benefit will be reduced. This is effective when your need for life insurance protection reduces throughout your life.
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No medical exam
Information-icon Depending on an individual’s age, amount of insurance applied for, and medical history, the underwriting process may not require the individual to submit to an exam, blood drawn or urine specimen.
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Guaranteed level premium
Information-icon The premium is guaranteed to remain the same throughout the insured’s lifetime or applicable policy term.
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Guaranteed death benefit
Information-icon When purchasing a life policy, you will decide on how much of a death benefit you require and for how long. Your death benefit is guaranteed to remain the same, all you have to do is pay your premium on time.
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Cash accumulation
Information-icon Cash accumulation refers to the tax deferred cash that builds inside a whole life or return of premium term life insurance policy. The cash accumulation addresses the savings feature, which can be utilized in the future.
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Accelerated death benefit for terminal illness
Information-icon A living benefit that allows you to access virtually all of the death benefits prior to your death, if you are diagnosed with a life expectancy of 12 months or less.
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Lower premium at the beginning of the policy
Information-icon With an Annual Renewable Team (ART) policy the amount of the death benefit remains constant, the premiums are initially inexpensive, but the premiums increase each year.
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Provides lifetime coverage
Information-icon Whole life insurance is designed to provide permanent coverage throughout your entire life. It will not reduce, and will remain in force your whole life if you continue to pay the premium.
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Accelerated death benefit for chronic illness
Information-icon A living benefit that allows you to access a portion of the death benefit in advance of your death. To qualify, you must be diagnosed with a qualifying chronic illness.
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Calculate your life insurance need

Calculate your life insurance needs

How much do you need? Based on your answers to the following questions, we'll provide you with an estimate of how much life insurance coverage would be best for your situation.

 

Life Insurance Calculator

LET'S HAVE A CONVERSATION
Insurance can be confusing.
Our agents make it as easy as 1, 2, 3.
1

Help you understand what you have

 

Whether you currently have life insurance or not, an expert agent will have a quick conversation with you and answer your questions.

2

Discuss your personal goals

 

During this conversation, the agent will work with you to determine your goals, whether it be to replace personal income, pay off debt, or provide college education. 

3

Create and adjust your plan to the stages of your life

 

Once you identify your goals, the agent will create a life insurance program that meets your unique needs. 

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