Take some of your biggest worrys out of your life with LIFE insurance protection

Life insurance to meet your estate planning needs.

What is Term Life Insurance?

Life insurance is a way to protect your loved ones financially after you die and your income stops. The people you choose to get your payout — your beneficiaries — can use the money for things like paying bills, covering funeral costs or helping with college tuition.

Term life insurance is the most affordable and simple type of life insurance.

Term vs. Whole Life Insurance:

Term life insurance covers you for a specific period of time, such as 10, 20 or 30 years. You should pick a term that matches the length of your financial obligations, like raising kids or paying off a mortgage. Term life insurance is a good choice if:

  • You want to pay the lowest premiums
  • You only need life insurance for a certain number of years
  • You might want to switch to permanent life insurance later.
  • You can convert most term life policies to permanent ones before they expire.

What is Whole Life Insurance?

Whole life insurance gives you a guaranteed payout for your beneficiaries and a guaranteed return on your cash value. You also pay a fixed premium that will never go up for as long as you live. In addition to the guaranteed benefits, you may also receive dividends that can increase your payout and cash value. However, dividends are not always certain.

Compare Term vs. Whole Life Insurance:

Whole life insurance is a type of permanent insurance that covers you for your entire life, as long as you pay the premiums.

Whole life insurance also builds cash value over time that you can borrow from for various purposes, such as paying for college, boosting your retirement income, or covering emergencies. But remember, any amount you take out from the cash value will reduce the payout amount.

The premiums of a whole life insurance policy are not tax deductible, according to the IRS.

Some questions to ask when choosing a life insurance policy are:

  • Will your spouse be able to maintain the lifestyle you want for them without your income?
  • Will you be able to leave something behind for your children or grandchildren?

What is Universal Life Insurance?

Universal Life insurance is a type of permanent life insurance that lets you adjust your premium payments based on your cash flow. You can pay more when you have extra money or less when you are on a tight budget.

Benefits of Universal Life Policies:

Most Universal Life policies also guarantee a minimum return on your cash value, but there is an exception. You may not build any cash value if any of these things happen: the insurer raises its administrative fees, the insurer changes its mortality assumptions, the insurer’s investments perform poorly, or you don’t pay enough premiums.

Blossom Insurance Solutions

Delivering simple, comprehensive, and cost-effective coverage for you and your loved ones.


Leaving something to pay our final expenses and to help our families after we are gone.

Peace of Mind

We help you find the security and comfort that you get from knowing that you are financially protected in case of unexpected events,

Tailored Coverage

Flexible and affordable coverage options, such as term life or whole life, to suit your needs and budget.