Life insurance is a must for anyone with dependents and/or debt. An individual or family term life insurance policy is typically the lowest cost life insurance option that provides a defined benefit to your named beneficiary, if you pass away while the policy is in force. Except for Term-Life or Term-100, most term life insurance policies mature at age 80-85, and premiums are guaranteed until the policy matures.

If you were suddenly unable to work due to illness or injury, would you still be able to pay your bills? Disability Insurance can replace a portion, or all, of your monthly income. You must be working to quality, and there are many, flexible options to customize a disability protection plan for your budget and priorities.

The primary difference between Creditor Life, Critical Illness, and Disability Insurance and individual insurance policies is the financial institution is the beneficiary. With your creditor life or critical illness policies, the premiums remain the same, even though the mortgage balance is decreasing.

If you are diagnosed with a critical illness, have a heart attack or stroke, or pass away, your Creditor Life and Critical Illness policies will pay off the balance of your mortgage, or a portion of your loan, Line of Credit, or Credit Card Balance.

Protect your future and credit health with the security of creditor insurance — talk to our advisors to discover the right protection for you.

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