No matter how cautious a person is, we all experience risk in our lives. The risk of the unpredictable or the unknown is always there. An accident may cause death, sickness, or disability. A disease may be fatal or financially devastating, or perhaps liabilities and taxes after death prevents children from receiving financial support. Risk can impact individuals and their families. All too often we are not prepared for the financial realities of life. Ensuring the financial support of your loved ones will always be a primary reason to obtain life insurance.
Protect what matters most
- Replace essential income
- Cover funeral costs so that family members are not burdened with them
- Cover taxes on the value of your estate at death
- Have money available in the event of death, disability or critical illness
- Tax effectively transferring your personal or business assets to heirs
- Fund a child’s education
- Guarantee your child’s insurability
- Prevent assets from being sold or borrowed against at death
- Provide ongoing financial support at difficult times
- Protect a Business
CFEP offers complete simplified issue insurance products at affordable rates. For most plans, you do not need a medical to apply. We also carry traditional insurance products, which may require a medical.
Simplified and Traditional Term Life
- Guaranteed level rates during the term
- Ideal for covering liabilities during a known time period
- Renewable and Convertible
- Add a rider for additional protection
- Save when you combine Disability and Critical Illness Coverage in a single plan
- For ages 18-75
Simplified and Traditional Whole-Life
- Guaranteed level rates for life
- Ideal for securing permanent coverage
- Non-participating and Participating
- Universal Life
- Paid-up options
- Add a rider for additional protection
- For ages 0-85
