Call us: 217.854.2200

Life

Life insurance is a crucial step in planning for you and your family's future. Your need for life insurance is dependent on your personal financial needs and goals. As your life changes, your life insurance coverage may need to be updated to adapt to your new needs. We offer a wide variety of coverage to provide what is right for you, now and in the future.

Life insurance is important in planning for you and your family's future. It can fulfill promises and obligations to your family if you are no longer living.

The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.

Life insurance may also be used to help ensure that a family business will pass to your intended survivor.

There are also benefits to certain types of life insurance plans during your lifetime.

The cash value growth of a permanent policy is tax deferred. You do not pay taxes on the cash value increases while inside the policy.

The cash value earned and borrowed from a permanent life insurance policy can be used to help with emergency expenses, college costs or retirement income. Policy loans reduce cash values and death benefits.

Your need for life insurance is dependent on your personal financial needs and goals. As your life changes, your life insurance coverage may need to be updated to adapt to your new needs. We offer a wide variety of coverage to provide what is right for you, now and in the future.

Term Life Insurance provides protection for a specified period of time. Initially the cost is low for this type of plan, but premiums will increase as you age. However, these plans may be easily convertible to permanent coverage.

Permanent Life Insurance consists of a variety of plans from fully guaranteed premiums, values and death benefits to complete flexibility of premiums, interest rates, underlying investment and death benefits options and anything in between.

Advantages vary from company to company and some require the purchase of certain coverage. We'll review your options with you to find the company and coverage that is right for you.

Call us - 217-854-8616

Agents Available to Help

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Gina Henrichs

Real Estate Broker/Insurance Producer

Call us: 217.556.7341

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Becca Drummond

Real Estate Broker/Insurance Producer

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Gretchen Killam

Real Estate Managing Broker/Insurance Producer

Call us: 217.473.8656

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Insurance

Small Town

We provide many types of insurance. As independent insurance professionals we can help you find the coverage that best suits your particular needs and provide you with the greatest value. Advantages vary from company to company, and some require the purchase of certain coverage. We will review your options with you to find the company and coverage that are right for you.

Auto → Toys (Boat, Motorcycle, ATV, Golf Cart) → Commercial → Homeowners → Life → Renters → Farm Owners → Personal Umbrella → Health →

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Statements on this web site as to insurance policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Rates are not final until all reports are ran and approved/rated by the company. Please contact our office at 217-854-2200 or 217-854-8616 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.