We're an independent agency on Lincoln Street, so we compare policies from several insurance companies instead of selling you one company's plan.
Term or whole life?
- Term life covers you for a set number of years, often while the kids are at home or the mortgage is being paid. It gives you the most coverage for the least money.
- Whole life lasts your whole life as long as the premiums are paid. The premium stays the same, and the policy builds cash value you can borrow against.
- Not sure? We'll show you both, with quotes side by side.
What sets your price
Your age, your health, whether you use tobacco, and how much coverage you want. The younger and healthier you are when you buy, the less it usually costs. Some policies don't require a medical exam.
How it works with us
- Call or stop by, and tell us who you want to protect and what fits your budget.
- We compare policies from several insurance companies.
- We help you with the application, and we stay your agent after it's approved.
In your 60s or older? Look at final expense insurance, a smaller whole life policy made to cover funeral costs and final bills.
Questions we hear
How much life insurance do I need?
It depends on what you want covered: the income your family would lose, the mortgage, any debts, and future costs like college. We'll help you add it up.
Do I need a medical exam?
Not always. Some policies ask only health questions. Others use an exam and can cost less if you're in good health. We'll tell you which fits.
Can I get life insurance after 65?
Yes. Term life gets harder to get and costs more as you age, but whole life and final expense policies are made for people in their 60s, 70s and older.
Does working with an agent cost more?
No. The insurance company pays us a commission, and your premium is the same as buying the policy directly.
Call us at (812) 527-2100 or request a call back, and one of our agents will get back to you.