Term Life Insurance

Insurance to help those you love.

Advantages of Death Benefits

Provides income tax-free money to your named beneficiary(s) that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need you leave behind. It can also provide business security by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Advantage of Living Benefits

The cash value growth of a permanent life insurance policy is tax-deferred (1), which means you do not pay taxes on the growth of the cash value unless the money is withdrawn.

Loans (2) or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

  1. Accumulated growth may be taxable upon withdrawal. If the policy is a Modified Endowment Contract (MEC), tax penalties may apply prior to age 59 1/2. Consult a tax advisor on your specific situation.
  2. Policy loans and withdrawals reduce cash value and the death benefit and may be subject to other charges outlined in the contract.

For more information about all our services call 585-586-3060 or contact us
through email. We will gladly give you a free quote on any our your insurance needs.