Life Insurance 

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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.  

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Term Life Insurance

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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. 

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Whole Life Insurance

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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. 

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Universal Life Insurance

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Universal life insurance is permanent life insurance with an investment element. Most univeral life insruance policies contain a flexible premium option.