GUARANTEES FOR THE "IF" IN LIFE.









LIFE INSURANCE

Life insurance is designed to protect your family and other people who may depend on you for financial support. Life insurance pays a death benefit to the beneficiary of the life insurance policy. Over the years, life insurance has also evolved to provide options for final expenses, debt repayment and education funding.

    • Term
      • is a type of life insurance policy that provides coverage for a certain period of time, or a specified "term" of years.
      • usually used to protect a debt obligation or short-term income replacement need 

    • Permanent
      • provides lifelong protection, and the ability to accumulate cash value on a tax-deferred basis
      • Unlike term insurance, a permanent insurance policy will remain in force for as long as you continue to pay your premiums

    • Mortgage and creditor
      • is a form of insurance specifically designed to protect repayment of a mortgage or debt. 
      • If the policyholder were to die while the mortgage life insurance was in force, the policy would pay out a capital sum that will be enough to repay the outstanding mortgage

    • Final expense
      • is designed to cover the bills that your loved ones will face after your death.
      • These costs will include medical bills and funeral expenses. Final expense insurance is also known as burial insurance
    • No medical & simplified issue
      • is a way to skip the paperwork and exams and obtain a small amount of life insurance even if you have some health problems
      • available with no needles, doctors reports or medical exams
      • simplified issue life insurance can be bought as either whole life or term policies

    • Difficult to insure
      • is a way to skip the paperwork and exams and obtain life insurance even if you have some health problems
      • a multi-step process is used to determine the best level of insurance available for the applicant
      • available with no needles, doctors’ reports or medical exams
      • simplified issue life insurance can be bought as either whole life or term policies

    • Guaranteed issue
      • guaranteed issue insurance doesn't require a medical examination or a medical questionnaire, but you'll be limited to a much lower level of coverage
      • available with no needles, doctors’ reports or medical exams

Jim Barnard

I am very dedicated to providing high quality information about our financial products and services and in turn, helping my clients achieve financial success.

I am committed to providing you with high quality advice, superior service and information you will need to make sound financial choices.