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Life insurance


Your family is your legacy.
Life insurance protects their future.

Life insurance gives you, your family and your loved ones the financial support to continue living while coping with the loss of a loved one. Everyone needs life insurance. 

How Life Insurance Works

Life insurance pays out benefits when a policyholder dies. It can help cover debts and final expenses like funeral costs, pay off a mortgage or even provide for children who are still young. Whether you’re about to get married, planning for retirement or just looking for peace of mind, life insurance is one of the most important things you can own.

With life insurance you can:

pay fewer taxes in retirement
prepare for unexpected events
get more value for your money
Reasons for Owning Life Insurance

There are many reasons to own life insurance but ultimately the choice to buy life insurance comes down to removing the burden on your family should something happen to you.  Whether they depend on your income to pay off your home and avoid defaulting on the mortgage or paying your child’s tuition so that they can continue to reach for their dreams, life insurance provides when you cannot.

Additionally, life insurance can be an excellent way to round out your estate and retirement planning, or keep you on your feet financially should you become ill and unable to work for a period of time.  There are life insurance policies for nearly every financial need and goal that you may have for your family and loved ones.  Obtaining a policy that fits your life is easier than you might think.  Let us know how we can help you.

Types of Life Insurance


  • Life insurance policies come in different forms for specific financial needs.
  • Common types of life insurance are term life insurance, whole life insurance, universal life insurance, and variable life insurance.
  • Term insurance covers a specific period and has lower premiums, making it ideal for those who need coverage for a limited time.
  • Permanent insurance provides coverage for life and has higher premiums, allowing you to build cash value over time.
  • The type of life insurance chosen depends on financial goals, budget, and personal circumstances.
Life insurance policies come in various forms, each designed to meet specific financial needs and objectives. The most common types of life insurance policies include term life insurance, whole life insurance, universal life insurance, and variable life insurance.

Term insurance provides coverage for a specific period, usually ranging from 10 to 30 years. It has lower premiums compared to permanent insurance and is ideal for those who want guaranteed coverage for a limited time period. Many consider term insurance for important life events such as a new mortgage (30-year term policy), a new child (20-year term policy), and to cover debt. However, it lacks a cash value component and may not provide lifetime protection. In summary, term life insurance is more affordable, with lower premiums, making it a suitable policy for those on a budget or needing coverage for a specific period.

Permanent life insurance, which includes whole, universal, and variable life insurance, offers potential coverage for life, a cash value component, and potential investment opportunities. This type of policy is ideal for individuals looking for long-term financial security, estate planning, or wealth accumulation. However, it comes with higher premiums, which may not be suitable for everyone.

Term Insurance

Term life insurance provides coverage for a predetermined period, usually between 10-30 years, with lower premiums compared to other policies. This type of policy is ideal for individuals seeking temporary financial protection for their loved ones.

Whole Life Insurance

Whole life insurance offers lifelong coverage and guarantees death benefits, along with a cash value component that grows over time.

Universal life insurance also provides lifelong coverage but offers greater flexibility in premium payments, death benefits, and savings components.

Variable life insurance combines insurance with investment options, allowing policyholders to invest their cash value in various investment portfolios.

When comparing term life insurance and permanent life insurance several significant differences must be considered. Ultimately, the choice between term life insurance and permanent life insurance depends on financial goals, budget, and personal circumstances. 

Does the insurance carrier matter?

Yes, the type of life insurance carrier can matter. Here is why. The life insurance carrier is the company that you are paying to protect your family, so it’s important to make sure they have a good reputation and are financially stable. There are several types of life insurance carriers and each type offers different products. So, it is important to find the carrier that fits your needs and budget.

Life insurance is one of the most important financial decisions you will make in life. While the type of life insurance carrier may be less important than the details specific to your situation, a knowledgeable agent can help you determine which type of life insurance policy fits your needs.

Steps to life insurance


Determine How Much Coverage You Need

Use this calculator to approximate how much life insurance coverage you need based on your income, expenses, and family goals. It will give you a good estimate to keep in mind for when you contact our team.


Determine the Duration

How long would you like insurance coverage for?
There are many different life insurance products that can keep you covered for a period of years or for the rest of your life. Knowing why you want life insurance is important in determining the duration of your policy needs. A 20-year Term Life policy could protect your family until your kids are out of school where a Universal Life policy will guarantee an inheritance for your loved ones while giving you more flexibility in retirement.


Compare and Apply

We’ll send you a list of solutions and find the best fit for you.
We have been proudly serving the families of Hawaii for nearly 90 years. We look forward to helping you find the policy that gives you peace of mind while providing your family a lifeline far into the future.


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