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Life Insurance

In the event of your passing, life insurance can provide for your loved ones and ensure they’re financially comfortable in your absence. Life Insurance payments can be issued directly to your beneficiaries. These disbursements can help in making up for your lost income, funding your children’s education, paying outstanding debt, providing coverage for final medical and funeral expenses, ensuring additional retirement funds, or creating a legacy for your charity of choice. How your beneficiaries use life insurance benefits is up to them. We offer a full range of products to meet your business and personal needs including:

Whole Life

Whole Life provides guaranteed coverage for the entire life of the insured. Cash values accumulate throughout the life of the contract. Whole Life can be the lowest cost coverage over time because the cash values often grow to be more than the premiums paid.

Term Life

Term Life provides temporary protection for periods that can range from one to 30 years. Generally, term is the lowest cost coverage for a limited time period.

Universal Life

Universal life (UL) insurance is permanent life insurance with an investment savings element and premiums that are similar to those of term life insurance. Newer versions may provide a Guaranteed Death Benefit provision that can guarantee the death benefit for life, provided the proper premiums are paid.

Life insurance is written through PMC Advantage Insurance Services, Inc., a wholly owned subsidiary of Pharmacists Mutual Insurance Company.