Wisconsin Life Insurance Information

Term and Universal Life Insurance Information

Life Insurance can help protect your family and is an excellent way to
accumulate money for college, retirement or unplanned expenses. A person
should have life insurance that approaches six to eight times their annual gross
income. Under current laws, there is generally no federal income tax on death
benefits paid to a named beneficiary.

Using the strength and experience of our life insurance markets, we offer
affordable term life and universal life insurance policies.

Term Life Insurance Policy Information

Life insurance coverage for a specified length of time. A term life insurance
policy is usually purchased with a particular need in mind. Beneficiaries will
collect, usually tax free, the face value of the policy upon the insured (your)
death. Term life is attractive for those with a limited income, high short term
insurance needs, or for personal family protection.

If the insured survives the time period, the policy expires. There is no cash
value at the expiration of a term life insurance policy. Some policies have a
convertible feature permitting a policyowner to exchange a term policy for a
cash value policy without evidence of insurability.

Level Term Life Insurance Policy Features

A constant death benefit and a level premium for a specified number of
years. We offer 10, 15, 20, and 30 year terms.

Decreasing Term Life Insurance Policy Features

Has a decreasing death benefit and a level premium.

Click on the link below to fill out a quote request form for a Term Life
Insurance policy that will provide excellent life insurance coverage at an
affordable cost. Or you can speak with one of our Personal Insurance
agent specialist at (920) 849-4534 to discuss the features.

Click here to fill out a

Term Life Insurance

quote request form

We are your local Calumet County, Wisconsin insurance agency, offering affordable life insurance
policy premiums to residents of the following cities and counties: Chilton, New Holstein, Malone,
Kiel, Hilbert, Forest Junction, Potter, Reedsville, Brillion, Stockbridge, Sherwood, Hayton,
Brothertown, Marytown, Calumetville, Pipe, Johnsburg, Mt. Calvary, St. Cloud, Elkhart Lake, Ada,
Sheboygan, Cleveland, Manitowoc, Spring Valley, Osman, Plymouth, Two Rivers, Whitelaw,
Valders, St. Nazianz, Newton, Collins, Kimberly, Kaukauna, Darboy, Oshkosh, Winnebago,
Appleton, Menasha, Neehah, Menchalville, Greenville, Holland, Little Chute, Wrightstown, Morrison,
Wayside, Kellnersville, Francis, Branch, Cooperstown, Maribel, De Pere, Bellevue, Allouez,
Ashwaubenon, Denmark, Tisch Mills, Kewaunee, Howard, Green Bay, Oneida, Luxemburg, New
Franken, Pilsen, Anston, Black Creek, Freedom, New London, Sheyboygan Falls, Plymouth,
Greenbush, Fond du Lac, Peebles, Taycheedah, Kohler, Howards Grove, Dundee, Cascade, West
Bend, North Fond du Lac, Eden, Waldo, Cedar Grove, Hingham, Fond du Lac County, Sheboygan
County, Brown County, Winnebago County, Outagamie County, and Manitowoc County, WI.

Click on one below to learn more!

Term Life Insurance Policy

Universal Life Insurance Policy

Universal Life Insurance Information

Universal Life Insurance Policy Information

A flexible premium policy that combines protection against premature death with a
savings account that typically earns a money market rate of interest. A universal life
insurance policy is a combination of term life insurance protection with the cash
savings value of whole life insurance. Interest rates paid on the cash value are
typically higher than with whole life insurance because they tend to follow the
markets.

Premiums for universal life insurance policies can be paid in a lump sum, annually,
or anywhere in between. Interest on the cash value is usually guaranteed, but will
vary according to the investment performance. Each month deductions are made
from the cash value fund to support the costs of the insurance protection. As long
as the cash value is substantial enough to maintain the monthly costs, the policy
will remain in force. Typically the death benefit reduces in proportion to the increase
in cash value, thus causing a level death benefit.

Click here to fill out a

Universal Life Insurance

quote request form

Term Life Insurance Information

**The information, pictures, and other content in this website about particular insurance services
is only provided for informational purposes. Any decisions regarding your insurance needs should
be discussed with a licensed insurance agent.

Click on the link below to fill out a quote request form for a Universal Life
Insurance policy that will provide excellent life insurance coverage at an affordable
cost. Or you can speak with one of our Personal Insurance agent specialist at
(920) 849-4534 to discuss the features.