Life Insurance

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Life insurance is a tool used to provide financial support for loved ones in the event of an unexpected death. Whether you are looking to cover final expenses, help a family member pay bills, or to make up for lost wages, there are solutions for you. Coverage may include Term, Whole Life, or Universal policies. Term insurance provides coverage for a certain period of time, and is typically the cheapest. Whole Life covers the insured for their entire lifetime, building cash value as you pay your premiums. Universal Life plans offer flexibility in your premiums and death benefit. 

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Our first step in determining what type of policy to utilize for a client is to fully understand the needs of the death benefit. Once that is determined we analyze your current situation and how much insurance you need versus what you can afford. 

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The advantage we have at Chadwick Bay Financial Services is we have the ability to shop all competitive insurance companies and offer our clients suitable options with a focus on competitive premiums. 

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