Life Insurance
Fish fry’s and Go Fund Me are not life insurance. Life insurance offers you a tax-free cash benefit and peace of mind for the family you leave behind—from funeral expenses to a legacy for future generations.
Get a QuoteWhy Personal Life Insurance?
Many people assume their workplace life insurance will protect them, only to find that when they leave the company, the coverage is gone. GS Christie Insurance Services can help protect your family with life insurance that you own—term, final expense, whole life, indexed universal life, and even whole life for children.
Life Insurance Options
Term Life
Protection for a specific period (e.g., 10, 20, or 30 years); after that, the policy expires and coverage ends. Useful for young people just getting started or for specific goals like mortgage protection.
Final Expense / Whole Life
Permanent coverage that lasts your entire life with fixed premiums and a cash value account that grows at a guaranteed rate. Beneficiaries receive the death benefit when you pass away; you can use cash value for loans, withdrawals, or to pay premiums while alive.
Index Universal Life (IUL)
Permanent life insurance with a death benefit and a cash value component linked to market indexes (e.g., S&P 500, Dow Jones)—offering growth potential with downside protection. Flexible premium structure; coverage for life as long as premiums are paid.
Children's Whole Life
Permanent coverage for children (typically 14 days to 17 years). Lifelong protection, guaranteed premiums locked in at a young age, cash value accumulation, future insurability even if health changes, and the policy can be transferred to the child when they reach adulthood.
Benefits of Whole Life for Children
- Lifelong coverage as long as premiums are paid
- Guaranteed premiums locked in at a lower rate when the child is young
- Cash value that can be used later for loans or withdrawals
- Future insurability even if the child develops health issues later
- Transferable to the child when they become an adult