Life Insurance can come in many forms. We have most of them, and our products are both comprehensive and competitive. We also have group life and "worksite marketing" life insurance products:

Term insurance is a popular policy option in today's world. It is pure life insurance designed to provide coverage for a specified period of time, and coverage terms can range from 1 to 30 years. The primary advantage to term life insurance is its lower premium. It also meets the need for temporary limits of life insurance. Its disadvantage is the lack of "cash value" development. Policy benefits are only realized if the insured dies. There are no survival benefits other than "peace of mind."

Universal Life and Whole Life are well-known "permanent" insurance policy options. These policies are designed to provide life insurance coverage for an indefinite period of time up to age 99. In addition to providing life insurance protection, these policies also develop equity in the form of "cash values." In essence, these policies provide a death benefit should the insured die, but they also provide tax deferred survival benefits should the insured live. During the normal course of a lifetime, and if this type of policy is purchased early enough, some of these policies may provide the most economical means of purchasing life insurance protection. Universal life insurance policies are generally used for higher limits of life insurance protection, and whole life policies are generally used to provide lower limits of coverage.

Other forms of life insurance exist along with variations of the plans described above.

Life insurance also has business applications. Common uses of life insurance in the business setting include "key person," "split dollar," and "executive bonus" plans. Life insurance can also be used to fund "buy-sell" agreements. We can help you with your business life insurance needs.

How to obtain a life insurance premium quotation:

• If you are interested in a free, absolutely no-obligation insurance quote, please give us a call at 765.472.4085 (local) or toll free at 866.361.6100.

• If you prefer, you may also download an life insurance questionnaire in Adobe Acrobat format and either fax it to us at 765.472.4079, or you can mail it to:

• You may also email it to us at jim@daleins.com. Please be sure to include it as an attachment with your e-mail message.