At C & R Benefits Center, we are dedicated to helping you secure individual life insurance that offers financial protection for your loved ones in the event of your passing.

This cost-effective option offers reliable coverage at a fixed payment rate for a specified term. If the insured individual passes away during this designated period, the benefit is guaranteed to be paid to the beneficiary. However, once the term expires, coverage is no longer assured. Unlike term life insurance, permanent life insurance, such as whole life or universal life, provides the peace of mind of lifelong protection. Choose term life insurance for an affordable and straightforward solution that secures your loved ones' financial future when they need it most.

Often referred to as “straight life” or “ordinary life,” this policy offers a steadfast guarantee to provide coverage for your entire lifetime—an assurance that holds true as long as the necessary premiums are consistently paid. While the premiums for whole life insurance are typically higher than those of term life insurance, the long-term benefits far outweigh the cost. This type of insurance is a valuable asset in the cash-value category, which also includes universal life insurance, allowing you to build cash value over time while securing your financial legacy. Invest in whole life insurance for peace of mind and lasting protection for you and your loved ones.

Universal life insurance is an innovative insurance product that effectively blends permanent coverage with enhanced flexibility in premium payments. This unique approach not only provides lifelong protection but also offers significant potential for growth in cash value, making it an attractive option for those looking to secure their financial future.

This type of insurance offers a straightforward solution that can be especially beneficial for senior citizens. Importantly, it usually does not require a medical exam to secure coverage. This ease of access provides much-needed peace of mind, ensuring that loved ones are protected from burdensome funeral expenses and other end-of-life costs. By choosing this option, families can focus on honoring their loved ones without the added stress of financial worries.