Life Insurance

There are many Life Insurance Options

The Life Insurance option that is best for you depends on your situation. As an independent insurance agent, we work for you and can help you find the best life insurance options for your situation.

Gary Hewitt, LUTCF (Life Underwriter Training Council Fellow) will work with you to find the best options. We can help you sort out the terms and choices for life insurance and financial protection solutions such as: Term Life Insurance, Cash Value Insurance, Whole Life Insurance, Universal Life Insurance, Variable Life Insurance and Annuities. The insurance for you depends on your goals, life stage and desired level of financial security for yourself and your loved ones.


Whole Life Insurance- Permanent insurance. Whole life insurance provides lifelong coverage and the ability to accumulate cash value while paying level, predictable
Universal Life Insurance- Potential to build cash value
while offering the flexibility in premium payments.
Simplified Issue Whole Life- Insurance to help ease your family’s burden for final expenses.
Single Premium Whole Life Insurance- Insurance that can be useful in transferring wealth to your beneficiaries.

Annuities- Worried about outliving your money? Grow your retirement
investment with these savings options.



Another brand offered is Heritage Protector from Equitable Life & Casualty Insurance Company.
Heritage protector is primarily a final expense life insurance plan to help pay funeral costs,
and cover healthcare expenses not covered by traditional health insurance, including Medicare.
Plan Highlights:
* Available for people age 50 through 85
Click here to view the full downloadable brochure: heritageprotectorfinalexpense
* Face amounts from $2,000 to $30,000 based on plan selected
* Benefits for the plan you choose will never decrease
* Premiums you pay for the plan you choose will never increase
* Benefits of your plan generally pass tax free to your beneficiary
* Benefits of the plan you choose are paid out in one lump sum

A simple, easy-to-apply-for and easy-to-issue life insurance plan.
Heritage Protector Level
Full coverage from
the first day – The full benefit you select is payable whenever death occurs, from the very first day of coverage. There are two underwriting rate classes: Preferred and Standard.
Heritage Protector G
If your death occurs during the first 12 months, all of your premiums, plus 5% interest, will be paid to your beneficiary. In the 2nd year we will return your premium plus 10%. In the 3rd year, 75% of the selected benefit is payable. After 36 months, the full benefit is payable. If your death is the result of an accident, the full benefit is payable from the first day of your coverage.