Less than half of U.S. households have life insurance despite believing that it’s necessary. And we understand. It’s easy to say, “I’ll look into it later” or “It’s too expensive right now.” But life insurance is an important (and more affordable than you might think) tool in protecting the people you care about in many situations, including:
- Paying off co-signed debts, like student loans
- Replacing income for dependents, including aging parents
- Covering final expenses and burial
- Creating an inheritance for people and causes you care about
Our local agents can find the right coverage—and rate—for your current situation and help you keep an eye on the future. You can expect personalized guidance through the variety of life insurance products, and the assurance that the people you love are provided for. We partner with
Southern Farm Bureau® Life Insurance Company to offer a range of customizable life insurance options:
This coverage is permanent to a specified age (usually 95 to 120) and begins to build a cash value after you purchase it and pay the premiums. Over time, the policy accumulates a cash value, giving the policy more flexibility and potential uses. For example, you could surrender a policy or borrow from the cash value to help pay for college.
This coverage lasts for a certain term, such as 10, 20, or 30 years. With most term life policies, benefits are only available if death occurs within the terms of the policy. Typically there is no cash value. These policies are more affordable when you’re younger and provide a smart stepping stone for later life insurance decisions. Some policies include the option to convert to permanent/whole life within the term.
We also offer annuities, traditional and Roth IRAs, retirement planning, and estate planning services.