Wood Life Insurance

Protect What Matters Most To You.

Securing your family's financial future, and safeguarding against those really bad days is key to financial peace.

Term Coverage

Affordable Coverage: Term life insurance offers straightforward, budget-friendly coverage for a specified period, typically 10, 20, or 30 years.
Temporary Protection: Term life insurance provides coverage for a specific duration, making it ideal for protecting against short-term financial obligations like mortgages or college tuition.
Flexibility: Term life policies often allow for flexibility in coverage amounts and terms, allowing you to adjust your policy as your needs change.
Simple to Understand: Term life insurance policies are easy to understand, with straightforward terms and premiums that remain consistent throughout the term.
Convertibility: Some term life policies offer the option to convert to permanent life insurance without additional underwriting, providing flexibility for long-term financial planning.

Lifelong Coverage: Permanent life insurance provides coverage for your entire life, ensuring your loved ones receive a death benefit whenever you pass away.
Cash Value Accumulation: Permanent policies accumulate cash value over time, which can be accessed through loans or withdrawals during your lifetime for various financial needs.
Tax Advantages: The cash value growth in permanent life insurance policies grows tax-deferred, and death benefits are generally tax-free to beneficiaries, providing potential tax advantages.
Estate Planning Tool: Permanent life insurance can be utilized as an estate planning tool, helping to preserve wealth, pay estate taxes, and facilitate the smooth transfer of assets to beneficiaries.
Accelerated Living Benefits: Some permanent life insurance policies offer accelerated living benefits, allowing you to access a portion of the death benefit early if you're diagnosed with a terminal illness or long-term care need, providing financial support during challenging times.

Tailored Coverage: Our advisors assess your financial situation and family needs to recommend life insurance coverage that provides adequate protection for your loved ones.
Product Selection: Our advisors have access to a range of life insurance products and can help you choose the one that best suits your goals and budget.
Understanding Options: Our advisors explain the differences between term, whole, and universal life insurance, helping you make an informed decision.
Long-Term Planning: Our advisors help you integrate life insurance into your overall financial plan, ensuring it aligns with your goals for retirement, estate planning, and legacy.
Peace of Mind: With our advisor's guidance, you can feel confident that your loved ones will be financially secure in the event of your passing.