Pick the policy that's right for you

There are many life insurance plans available that can be used in many different ways. Life insurance policies are generally grouped into three basic types. The basic features of each type are listed in parentheses below.

Term life insurance (inexpensive, no cash value, short term: 1-30 years)
Whole life insurance (expensive, cash value, for your entire life)
Universal life insurance (flexible payments/death benefits, cash value, for your entire life)
Universal life insurance (flexible payments/death benefits, cash value, for your entire life)

    Choose the right amount of coverage

Approximately 80 percent of American families possess some life insurance, but most of them acknowledge that their coverage is not enough to meet their anticipated needs.

An accurate evaluation of your family's needs will ensure that your coverage is sufficient. We are more than happy to sit down with you and/or your family to help analyze your needs.

    Find the company that's right for you

why do quotes from different carriers differ so much? The fact is that certain insurance carriers specialize in providing insurance to certain market segments (e.g. smokers, seniors). At Independent Insurance Brokerage, we transact with many of the nation's top insurers. We specialize in understanding each carrier’s guidelines so that we can find the company with the best rates possible for you.

An accurate evaluation of your family's needs will ensure that your coverage is sufficient. We are more than happy to sit down with you and/or your family to help analyze your needs.