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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.

Icons on how life insurance can help your home, children, retirement, education, final expenses
Why is life insurance important?
  1. 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.
  2. 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?
  3. 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?
  4. 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?
  5. 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.

Benefitting your employees

today and tomorrow.

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