Connecticut Life Insurance Agent

The most popular choice for those seeking to cover

permanent needs, such as contributing to a survivor's

nest egg, paying off final expenses, etc. Whole life

insurance provides permanent, lifelong insurance

coverage. The benefit amount remains the same and

is payable to the beneficiary(s) at the time of the

insured's (your) death. It also offers an opportunity to

build cash value, so you can take a loan on your policy

to fund major purchases or to provide for unexpected

costs.

Life Insurance can help protect your family and is an excellent way to accumulate money for

college, retirement or unplanned expenses. A person should have life insurance that approaches six

to eight times their annual gross income. Under current laws, there is generally no federal income

tax on death benefits paid to a named beneficiary.

Using the strength and experience of our individual life insurance markets we offer several
affordable term, whole, variable, and universal life insurance policies.

Whole life insurance has a fixed premium and a level

death benefit to age 100. The premiums don't increase

with age, which averages the cost of the policy over

your life. The cash value increases with time until it

equals the death benefit at age 100. This type of policy

never has to be renewed or converted. The cash value

is an amount of money that you are guaranteed to

receive in the event of policy cancellation.

Variations of Whole life include:

Modified Premium - lower fixed premium for the

first 3 or 5 years, and then premiums increase. These

policies work well for individuals that expect to

improve their financial condition in the near future.

Graded Premium - premium increases each year for

the first 5 years, and then is fixed.

Advantages of Whole Life Insurance

1. guaranteed protection for life

2. level death benefit that is generally tax-free

3. premiums do not increase in correlation with your age

4. cash may accumulate tax-deferred

Disadvantages of Whole Life Insurance

1. premium costs may make it difficult to buy enough

2. need to carry a whole life policy for a considerable length

of time to be very beneficial

3. cash value may be less than your face value

4. cannot vary your monthly premium payment and the

premium-paying period may be lengthy

5. amount of coverage cannot be increased at a later date

Click on the link below to fill out a quote form for a

whole life insurance policy that will provide first class

life insurance coverage for you and your family at an

affordable cost. Or contact a whole life insurance

specialist at one of our Connecticut locations to discuss

the features.

A flexible premium policy that combines protection against premature death with

a savings account that typically earns a money market rate of interest. A

universal life insurance policy is a combination of term life insurance protection

with the cash savings value of whole life insurance. Interest rates paid on the

cash value are typically higher than with whole life insurance because they tend

to follow the markets.

Premiums for universal life insurance policies can be paid in a lump sum, annually,

or anywhere in between. Interest on the cash value is usually guaranteed, but will

vary according to the investment performance. Each month deductions are made

from the cash value fund to support the costs of the insurance protection. As long

as the cash value is substantial enough to maintain the monthly costs, the policy

will remain in force. Typically the death benefit reduces in proportion to the

increase in cash value, thus causing a level death benefit.

A variable life insurance policy combines the protection features of life insurance

with the investment potential of common stocks. The insured can choose between

several investment options: stock funds, bond funds, real estate funds, or any

combination. These contracts do provide a minimum guaranteed death benefit.

The actual death benefit could be higher depending upon the performance of the

investment vehicle chosen. Because it does rely upon the stock market's growth,

the cash value also fluctuates. There is no guarantee to the amount of the cash

value and the premiums paid are fixed. There are policy provisions that allow

loans to be made from the cash value, too.

Answer a few questions and we will
provide you with a quote for the personal
or group insurance you're interested in.
Use the menu above to reach an
insurance quote request form.

We offer affordable universal, variable, and whole life insurance policy premiums
to individuals and families in the following Connecticut counties and cities:
Fairfield County, New Haven County, Litchfield County, Middlesex County, New
London County, Hartford County, Tolland County, Windham County, Stamford,
Norwalk, Greenwich, Darien, Riverside, Belltown, Springdale, Round Hill, Old
Greenwich, East Norwalk, New Canaan, Glenville, Byram, Cos Cob, Mianus, North
Stamford, Glenbrook, Wilton, Weston, Long Ridge, Noroton, West Norwalk,
Westport, High Ridge, Southport, North Wilton, Winnipauk, Cannondale, Turn of
River, South Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville, Redding,
Topstone, Ridgebury, Redding Ridge, Branchville, Dodgingtown, West Redding,
Titicus, Hattertown, Bethel, Danbury, New Fairfield, Newtown, Hawleyville,
Botsford, Monroe, Bridgeport, Stepney, Shelton, Huntington, Upper Stepney,
Long Hill, Trumbull, Stratford, Easton, Fairfield, Greenfield Hill, Stratfield, Nichols,
Oronoque, Rivercliff, Devon, Lordship, and East Bridgeport, New Haven, Hartford,
Torrington, Waterbury, Meriden, New Britain, New London, Norwich, Manchester,
East Hartford, Suffield, Granby, West Haven, West Hartford, Branford, East
Haven, Hamden, Woodbridge, Orange, North Haven, Groton, Rocky Hill,
Newington, Wethersfield, Glastonbury, Bloomfield, Blue Hills, South Windsor,
Naugatuck, New Hartford, Chesire, East Lyme, Old Mystic, Wallingford,
Southington, Middletown, Bristol, Laurel Beach, Litchfield, Pleasure Beach,
Mystic, North Westchester, Double Beach, Willimantic, Storrs, Canaan, East
Windsor, Vernon, South Canaan, Putnam, Guilford, Windham, South Britain,
Willington, Windsor, East Hampton, Brooklyn, and Westchester, CT.

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Connecticut Life Insurance Specialists

Connecticut Life Insurance Information

We offer four types of life insurance policies:

(Click on one below to learn more)

Click on the link below to fill out a quote form for a universal life insurance

policy that will provide first class life insurance coverage for you and your family

at an affordable cost. Or contact a universal life insurance specialist at one of

our Connecticut locations to discuss the features.

Click on the link below to fill out a quote form for a variable life insurance policy

that will provide first class life insurance coverage for you and your family at an

affordable cost. Or contact a variable life insurance specialist at one of our

Connecticut locations to discuss the features.

Commercial Insurance

Request a Quote Here!

Now with 4
Connecticut
locations!

Stamford

Cheshire

East Windsor

Groton

22 Knapp Street

Stamford, CT 06907

203-359-0880

Fax: 203-359-9443

1157 Highland Ave., Suite 109

Cheshire, CT 06410

203-250-1006

Fax: 203-250-0190

84 Bridge Street

East Windsor, CT 06088

860-627-9418

Fax: 860-627-9213

124 Fort Hill Road

Groton, Connecticut 06340

New London County, CT

860-445-8447

Fax: 860-446-0848

Customer Service

(Personal Policies)

(203) 250-0186