First Benefits - More Benefits, Lower Costs!

Life Insurance

We offer a complete line of Life Insurance benefits including Term, Universal and Whole Life insurance.

Term life Insurance provides maximum protection for very low premiums and provides for the period when you have the most financial obligations. This would be when you have a mortgage and a family who depend on your income. Term Life Insurance helps to pay of your debts, get your Children through school and helps your family regain their financial footing after loosing your income.

APPLY ONLINE from our affliate company, UnionServices.com. You do not need to be a Union Member to shop and apply for this coverage.

Permanent Life Insurance, such as Universal and Whole Life insurance, helps to pay your final expenses such as burial, outstanding debts, and to help your Spouse and Family recover from your untimely loss. Further, permanent policies build cash value that you might be able to supplement your retirement income.

Which Life Insurance is right for you?
Prudent financial planning suggests that you need both. When you are young and beginning a family, you should consider term policies to help pay for your children's education, pay off your mortgage, and help your spouse and children survive without your income. As you get older your children become self sufficient and your mortgage and other debts usually are paid down to lower amounts, this is when your Permanent life insurance will help your remaining family with your final bills and with their transition without you. Check with your financial advisor for what's best for you.

Sample Term Life Insurance Rates for $100,000
Guaranteed Issue (no medical questions) Term Life Insurance

Age 25, $2.54/week
Age 35, $3.70/week
Age 45, $7.39/week
Age 50, $11.78/week
Age 55, $19.63/week
Age 64, $28.18/week

Lower rates are available using "simplified issue", meaning we ask a few medical questions and some in the group may be declined because of health conditions. We will get you the lowest rates in the industry. Let us give you a Life proposal for your group!