Finding the right Life Insurance products can be challenging in today's insurance environment. Hilling-Pfeffer Insurance offers a complete line of individual life insurance products that are crafted to meet you and your family's specific needs.
Term Life Insurance
Term life insurance, also known as pure life insurance, is life insurance that guarantees payment of a stated death benefit during a specified term. Once the term expires, the policyholder can either renew for another term, convert to permanent coverage, or allow the policy to terminate.
Whole Life Insurance
Whole life insurance provides coverage for the life of the insured. In addition to providing a death benefit, whole life also contains a savings component where cash value may accumulate. These policies are also known as permanent or traditional life insurance.
Universal Life Insurance
Universal life insurance is permanent life insurance with an investment element. Most univeral life insruance policies contain a flexible premium option.