Life & Long Term Care

We understand you need to look after yourself and the ones you love

Whether it is Term Life Insurance, Whole Life Insurance, Universal Life Insurance or Long Term Care for yourself or members of the family, PNL will guild you through the options and get the right coverage to meet your personal circomstances and at the right price.

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Term Life Insurance

If you’re looking to put life insurance into your financial plans for a limited time — long enough to meet your anticipated responsibilities to those who depend on you — Term Life Insurance may be right for you. Term Life Insurance provides a death benefit at a fixed premium for a specific period of time (e.g., 5, 10, 20, 25 or 30 years).

Whole Life Insurance

Whole Life Insurance can be the foundation for your family’s financial protection. We represent a wide variety of whole life insurance carriers and policies that can help replace your income to protect your family or business in the event of your death. You can also build cash value within the policy, which helps you accumulate wealth, gives you access to cash to cover unexpected expenses, augments your retirement income and facilitate estates planning.

Universal Life Insurance

Universal Life insurance is a permanent policy that allows you the flexibility to customize the coverage and premiums that meet your needs. Universal life allows you to decide the amount of life insurance and premium payments, provides a death benefit that is generally income tax free and gives access to cash value.

Long Term Care

Long-term care insurance is a way for you to receive whatever care you need if you are ill or disabled for a long period of time. Long-term care insurance protects your assets against the high costs of care at a nursing home or assisted-living facility, or help from a home health worker.

Senior Products

Seniors and retirees have unique needs and PNL Insurance provides the care and personalized service you need. We offer Medicare Supplemental Insurance, Medicate Prescription Coverage, Long Term Care and Annuities. Read More.