When you get old and forgetful, someone may take over your finances. They might change bank accounts and if a premium doesn't get paid - thirty one days later your life insurance is canceled. All your money is gone!

       Life may be great today, but what about when you get sick and need additional money for medicines and medical equipment etc.? If you miss one payment your insurance will be lost.

       We only sell Term to 100 when it is clear there are sufficient assets to assure that there is no question of missed payments – There is no cash value in T100 insurance to dip into to keep payments paid during times of illness – it's just too risky for people of average means. It's fine for the very wealthy.

We do what is best for our clients - not just for the quick and easy sale.