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life insurance

Peace of mind for you and your family.

Let our licensed professionals help you provide the security and peace of mind you want for your family. We offer a wide range of insurance products that can be designed around your family's needs, to protect them against a sudden loss of your income due to disability or death.

We'll also take the time to explain all your options, so you can make the best choice for your family.

Term Life

Simple and affordable, the Term Life plan provides protection for a specific period of time -usually 5, 10, 15, 20 or 30 years. You'll get the most coverage for your money, making it ideal for young people buying insurance for the first time. A benefit is paid only if the insured person dies within the term.

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Typically covers for a specific period of time (1, 5, 10, 15, 20, or 30 years are most common).
Generally used to cover things like mortgage and debt payments, and income replacement during the working years.
A benefit is typically only paid if the insured passes away during the term period.
Provides income replacement for years of lost salary.

Whole Life

(Permanent Insurance)

A Whole Life policy has a cash value that doubles as an investment, building cash value and equity that you may be able to borrow against if you need to. And, for added value and ease of planning, your premium payments remain constant.

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Typically costs more than term insurance.
Cash value can be used to purchase additional insurance, to accumulate cash, or potentially to reduce future premiums.
Whole life insurance is best utilized for final expenses, income (Social Security and Pensions) replacement after working years, building an additional source of funds, providing retirement income in some cases, and for leaving a legacy to a beneficiary or charity.
Provides a smooth transfer of funds to heirs.*
Provides income replacement for years of lost salary.

Universal Life

This unique plan may allow you to increase or decrease your payments as you go along, depending on your financial situation. This provides financial flexibility while ensuring security for your family. We also offer Variable Universal Life, where the cash value of your policy is invested in your choice of a wide variety of investment alternatives. Plus, we offer an innovative, single premium Universal Life product, so you can reallocate your assets into a life insurance policy with an income tax free death benefit.

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Provides a smooth transfer of funds to heirs.*
Provides income replacement for years of lost salary.

Long-term Care

As life expectancy has increased, the potential need for long-term care has also risen, right along with the costs. Planning ahead with a Long-term care policy can protect you and your family from losing your life savings to pay for needed services if you become chronically ill or infirm.

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Historically a stand-alone policy, but hybrid policies have become available to include both a death benefit if you do not end up needing long term care services, or a cash benefit to cover the costs associated with long term care services.
Long-term care costs is an important part of any long-range financial plan, especially in your 50s and beyond.

Disability

Coverage for disability is an essential part of any insurance plan. If you become unable to work at your regular occupation as a result of disability, accident or extended illness. Disability coverage may replace a portion of your earned income.

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Rates are generally determined based on occupation, income level, length of time before payments begin, and length of payment period.
Disability insurance is a necessary supplement to pay for your everyday bills and expenses.

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Why is life insurance important?
Protect against premature death. Your financial plan needs three things to complete – money, growth, and time. Without some level of all three, your financial goals are likely not to be completed. A premature death takes out the aspect of time. Insurance replaces the need for time, by helping to complete the plan if a person passes away prematurely. Pass on your legacy. You’ve worked hard and saved. You’ve built a nice nest egg. In fact, when you pass away it’s likely there will be money left over. What would you like to do with that money when you pass away? Are there tax advantaged ways of doing it to reduce your beneficiaries tax obligation? Could you maximize how much you leave? Would you like to leave money to a charitable organization? Is there a specific amount you’d like to leave without feeling like you can’t live today? Pay for any final expenses. Funerals can cost upwards of $10,000. Who is going to pay? Does it make sense to keep a separate account tying up funds to pay for a funeral? Protect your income from illness and disability. At age 25, you have a 1 in 4 chance of experiencing an illness or disability that lasts longer than 90 days by age 65. Who will pay your bills if that happens? Protect your assets and your beneficiaries from the high cost of long-term care. If you needed long term care services, would you want to receive services at home or in a facility? With the average nursing home cost at more than $100,000 per year, you could drain your assets very quickly. Let our licensed professionals help you determine the best options to help cover these costs.

Why is life insurance important?

Protect against premature death. Your financial plan needs three things to complete – money, growth, and time. Without some level of all three, your financial goals are likely not to be completed. A premature death takes out the aspect of time. Insurance replaces the need for time, by helping to complete the plan if a person passes away prematurely.
Pass on your legacy. You’ve worked hard and saved. You’ve built a nice nest egg. In fact, when you pass away it’s likely there will be money left over. What would you like to do with that money when you pass away? Are there tax advantaged ways of doing it to reduce your beneficiaries tax obligation? Could you maximize how much you leave? Would you like to leave money to a charitable organization? Is there a specific amount you’d like to leave without feeling like you can’t live today?
Pay for any final expenses. Funerals can cost upwards of $10,000. Who is going to pay? Does it make sense to keep a separate account tying up funds to pay for a funeral?
Protect your income from illness and disability. At age 25, you have a 1 in 4 chance of experiencing an illness or disability that lasts longer than 90 days by age 65. Who will pay your bills if that happens?
Protect your assets and your beneficiaries from the high cost of long-term care. If you needed long term care services, would you want to receive services at home or in a facility? With the average nursing home cost at more than $100,000 per year, you could drain your assets very quickly. Let our licensed professionals help you determine the best options to help cover these costs.

Not sure you can qualify medically for insurance? We have policies that don’t take medical conditions into consideration. Speak with one of our local insurance specialists today to learn more about your coverage options and to find an affordable option that fits your today and tomorrow.

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Benefitting your employees

today and tomorrow.

SDN Insurance^®offers plans for small business, individuals and families.

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Looking for something?

life insurance

Peace of mind for you and your family.

Benefitting your employees

today and tomorrow.

SDN Insurance^®offers plans for small business, individuals and families.

Digital Banking

Looking for something?

life insurance

Peace of mind for you and your family.

Benefitting your employees

today and tomorrow.

SDN Insurance® offers plans for small business, individuals and families.

SDN Insurance^®offers plans for small business, individuals and families.