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Independent Insurance Agents
Serving Virginia and Maryland

Life  

IN THIS SECTION

  Term
  Permanent
  Key Man
  Group
  Annuities

Term Insurance

Term insurance can give you protection for mortgages, income replacement, credit card debt, and educational expenses. This insurance is the most cost-effective way to cover costs for loved ones left behind. There are a variety of level term guaranteed premium plans ranging from 5, 10, 15, 20 or 30 years.  Term Insurance is a popular form of coverage that allows you to purchase large amounts of protection at attractive premium rates.  Coverage is up to age 95, with options to convert your term policy to a permanent life policy before the level term ends or before age 70, whichever comes first.  The rate for the Permanent Life policy will be determined by your age at the time of the ‘conversion’.

Policy Features

  • Coverage up to age 95
  • Premiums that remain level during the term period selected
  • Term periods that range from 10 to 30 years
  • Options to convert your term policy to a permanent life policy before the level term ends or before age 70, whichever comes first.

Additional Options and Riders

  • Premium Waiver Benefit – Allows insurance protection to continue, with no further premium payment required, if you become totally disabled for more than six months.
  • Children’s Term Insurance Rider – Covers all children age 15 days through 18 years for $1,000 to $10,000. At age 25, each child may convert up to five times the coverage amount to a maximum of $50,000.

A Rider called the Accelerated Benefit Rider is automatically included without cost.  This rider pays up to 50 percent of the death benefit (up to a maximum aggregate amount of $250,000) to any insured who is diagnosed as being terminally ill and expected to die within 12 months of diagnosis.

 





 




LIFE INSURANCE
Term Life Insurance
Permanent Life Insurance
Key Man Life Insurance
Group LIfe Insurance
Annuities

HEALTH & DISABILITY INSURANCE
Group/Employee Health Benefit Plans
Individual Health Insurance