Life Insurance

Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.

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(208) 245-1000
​73 Homer Dr.
Saint Maries, ID 83861​
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What is Life Insurance?

Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

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What type of life insurance do you need?
​There are two main types of life insurance:  term and permanent.​
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You’ve done some exciting and memorable things in life, and you
have so much to look forward to. And while we know choosing life
insurance right now isn’t fun, it can give you the peace of mind to
focus on other things. We’re here to help you understand your options and protect the life you’ve built. Term life insurance can offer you the financial protection you need down the road, so you can focus on living your best life now.

What is term life insurance?
Term insurance pays a simple death benefit if you should die during the specified period of time, usually at cheaper premium costs.

• Term life insurance provides many benefits:
  • Tax-free death benefit for beneficiaries.
  • Affordable protection for short-term needs that may lessen over time, such as mortgages or business loans.
  • Guaranteed coverage for the policy period you choose: 10, 15, 20 or 30 years.
  
  
• How do you know if term insurance is right for you?
  You know you need life insurance, but you’re not sure which type of policy you should purchase. Consider some of the differences between term and permanent insurance. A good way to compare them is to think about renting (term) vs. owning a home (permanent).

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• What is permanent life insurance? Offers lifetime protection, a tax-free death benefit, and tax-deferred cash value. The cash value can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. As a result, permanent life insurance provides you with increased flexibility. Three common forms of permanent life are guaranteed universal life, whole life and index universal life.