Offering plans that are sure to meet your expectations; including  5, 10, 15, 20, and 30 year plans. Sample rates follow on the next page. These offer a fixed benefit with a fixed rate for the period chosen. These are excellent plans to bridge the needed protection gap that you may have with a present budget constraint. If needed, most plans are convertible to Universal Life. 

   These plans offer a level premium but have decreasing death benefit that is spread over a chosen time period. They can provide coverage for a mortgage or other bill that has a decreasing responsibility.

   These plans offer a level benefit, but the premiums increase with age. For younger ages, these rates are inclined to be the most inexpensive; thus, for a short period of time, these plans may provide the necessary protection you need for the least amount of premium.