L&L Advisors Insurance Planning - Wealth Management

Life Insurance Services

Help ensure your family is protected from the unexpected.

Are you prepared for the unexpected?


We all want our loved ones to be taken care of should the unexpected happen; however, to accomplish this, it’s important to have a plan. There has never been a better time than now to update your current policy and finally take the steps necessary to help ensure your family is protected.


There are several types of life insurance policies available on the market making it affordable for anyone to have a life insurance policy they can use to protect the ones they love:

Term Life Insurance


Term Life Insurance offers incredibly low premiums and the death benefit tends to be remarkably high. You pick how many years you want the policy to cover you. You’ll pay a premium every year guaranteeing yourself a certain amount of coverage. The payments can be made annually, bi-annually, quarterly or even monthly. Once those years are up, the policy is finished, and should you want another policy, you would have to re-apply.

Whole Life Insurance


Whole Life Insurance is great fit for those looking for a permanent product to help cover their final expenses and eliminate the burden on their loved ones. These types of policies tend to have a slightly higher premium; however, these individual policies build a cash value that can be used for loans or to make premium payments, and the coverage lasts for a lifetime, as long as premiums are paid. Many people like this insurance because it never ends, meaning they won’t have to re-apply as they grow older.

Universal Life Insurance


Universal Life Insurance offers some of the same features of both Term Life and Whole Life Insurance policies. Premiums tend to be more in line with the amount paid for term insurance, but it also builds cash value like a whole life policy. You’re able to use any existing cash value to pay premiums and you earn interest on any cash value that remains in the account. It’s important to note there are several variations of universal life policies and all of them have their own unique benefits and features.

Want to know how much life insurance you really need?

Use our free Life Insurance Calculator to estimate the amount of life insurance that you may need.

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