Life Insurance

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Protect the people you love the most.

When you pass, life Insurance helps pay for your final expenses, your mortgage, your taxes, and the living expenses of your loved ones when they no longer have your income.

Basic Types of Life Insurance

Cash Value: This type of life insurance policy builds up a cash value that has many benefits to the insured, such as borrowing against the policy or building a tax deferred investment income, in addition to paying a death benefit. Whole life, variable life and universal life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.

Term Life Policy: This type of coverage does not build cash or investment value. Term life insurance covers you for a set period of time provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness.

Informational Videos

Disclaimers:
Benefits:  The benefit information provided herein is a brief summary, not a comprehensive description of benefits and may contain inaccuracies. For more information contact the plan. Limitations, copayments, and restrictions may apply.
Contact form.  By providing information via our contact form, you agree that an authorized representative or licensed insurance agent/producer may contact you by telephone, email or mail to answer your questions or provide additional information about Life insurance.
Agent:  Gardner & Company is a licensed insurance agency authorized to market health plans and life insurance. This is a solicitation for insurance.  Please note you have no guarantee issue. Offerings of insurance are made based only on submitted applications.

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