Term Life Insurance
Term life insurance is the most cost effective way to obtain the protection needed to manage temporary needs (mortgage protection, income protection, etc) faced by so many people in today’s challenging economic times. Our term insurance products are very competitive; providing death benefit protection and premiums that are guaranteed to remain level for 10, 15, 20, 25, or 30 years.
Whole Life Insurance/Universal Life Insurance
Whole life or universal life is used to manage long term financial needs—permanent needs that do not go away--such as final expenses, estate planning or business protection and continuation. HMC’s life insurance specialists will work with your professional advisors to show you how to best manage these needs by using permanent life insurance products.
Annuities
Annuities are insurance products designed to deliver a guaranteed sum of money or series of income payments at a later time. They are most often used for retirement accumulations, but can also be used as part of financial planning due to the competitive interest rates paid and the preferred income tax treatment they receive. Annuities can be used to create income that you cannot outlive.
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