As the insurance market continues to change at a rapid pace, our team will always be well informed and in a position to help you make the right coverage decisions at the right time. Optimum Care Insurance Agency (OCI) consultants have years of experience educating seniors and families in local communities. It would be our privilege to be the trusted resource for your insurance solutions.

Term Life Insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in a term policy and the policy is active, a death benefit will be paid.provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in a term policy and the policy is active, a death benefit will be paid.

Whole life insurance is a type of permanent life insurance, which means the insured person is covered for the duration of their life as long as premiums are paid on time. Permanent life insurance is different than term life insurance which covers the insured person for a set amount of time (usually between 10 and 30 years). Like most permanent life insurance policies, whole life also offers a savings component called "cash value." Read on to learn more about the benefits of whole life insurance.

Indexed Universal Life Insurance is a type of permanent life insurance, which means it has a cash value component in addition to a death benefit. The money in your cash-value account can earn interest based on a stock market index chosen by your insurers, such as the S&P 500 or the Nasdaq Composite. Funds don't earn a fixed rate of interest but typically come with an interest rate guarantee.

Guaranteed Universal Life Insurance shares features of both permanent and term life insurance. Policies provide lifelong coverage and a guaranteed death benefit at a price that’s more affordable than other permanent life options. However, cash value accumulation is minimal.