Once you understand all the needs for life insurance, like funeral costs or leaving a legacy, many get stuck on which kind of life insurance to purchase. Which is better: whole life insurance or term life insurance?

Even after the kids are up and out, life insurance is still an important part of life planning. Our local agents, located in our downtown Decatur, IL office, can help.

On average, smokers pay double what non-smokers do for the same life insurance coverage. But an awesome new life insurance policy has come onto the market that actually gives smokers a chance – and a huge break on the monthly premium.

You’re never too young to document your end-of-life wishes and make plans for your funeral or memorial service. But where do you start? And how can you be sure you don’t forget anything?

Life insurance does carry cash value, which means that life insurance is considered an asset.