Individual

Whole Life insurance is permanent coverage for the lifetime of the policyholder. It builds a cash value that you can borrow against while you are still alive.

Term Life insures a period of time such as 10, 20, or 30 years. It is pure insurance during the term of the policy and rates are more affordable compared to Whole Life.

Call (681) 238-0713 today for a quote or to schedule a meeting to discuss options.

Accidental Death & Dismemberment or AD&D insurance is similar to life insurance but it is limited to accidental death only. It is much more affordable than Life insurance because of this and has fewer health and back ground questions. It is great for people with high risk professions or hobbies.

Accidental Injury Insurance provides cash benefits directly to the policyholder for services provided by a doctor or hospital for a covered injury. Policies include AD&D coverage and an annual wellness benefit. Plans start around $27 a month.

The American Cancer Society reported 12,690 new cancer cases in West Virginia in 2022 alone. Unfortunately, insurance cannot protect you from cancer. However, it can protect you from the enormous financial burden associated with caner treatment. Even with health insurance the indirect costs of getting treatment often leaves families struggling financially.

Critical Illness Insurance is coverage for conditions such as Heart Attach, Stroke, Major Organ transplant, and other catastrophic events. These are health events that can create large medical bills and leave a person unable to work.