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We do life
At First Security Bank, we care about ensuring that you, your family and your business are ready to handle anything life can throw at you. Because of that, we strive to bring you the best coverage for life, disability and long-term care insurance through one of our highly trained specialists.
Our specialists shop the market so you don’t have to and can consult you on the best coverage for your need. Whether you are a new family looking to buy your first policy, a business owner looking to update your buy/sell agreement or you are interested in passing along your hard-earned estate to the next generation, we can help. We look forward to working with you.
Need a consultation?
We can consult and customize the best approach for your situation. Contact us, and we can get started.
Insurance FAQ
Do I need life insurance?
If you have family or someone who depends on you financially, the answer is probably “yes.” Life insurance helps protect your loved ones, no matter what. Whether the money is used to replace your income, cover funeral expenses, pay off debt or provide for educational expenses, life insurance gives your family financial security when they need it most.
Having the right life insurance is essential to planning for your present and future. Not only can it provide financial protection for your family after you are gone, but many life insurance options also offer other benefits and investment opportunities you can take advantage of while you are living.
How much life insurance do I need?
To get a basic idea of how much life insurance you need, use this Needs Calculator.
What type of life insurance do I need?
We can help you determine the best life insurance coverage for your needs. There are several different types of life insurance products available. The most common include:
Term
Coverage for a certain period to help with things like paying off a mortgage or assisting with daily expenses until your children are grown. Because it covers only a set time, such as 10 or 20 years, term is the least expensive option. Get a term quote now!
Universal Life
Permanent insurance that is flexible in many ways and can fit into your financial and legacy plan. This policy accumulates cash value, has flexible payments and can cover you for your entire life.
Whole Life
Permanent insurance that can help you leave a legacy or pay for final expenses. Whole life is the most expensive product, but it can build cash value and cover you for the rest of your life.
Want more information? Contact us today!
How can I protect my estate or business or provide for my heirs?
We offer customized solutions and can create a tailor-made plan to meet your specific needs to help with:
- Reducing estate tax liability
- Distributing estate assets equitably
- Gifting strategies to nonprofits
- Planning for heirs
We specialize in sophisticated insurance concepts and designs and possess extensive knowledge in the following markets:
- Insurance planning (including long-term care and disability insurance)
- Wealth transfer
- Estate planning
- Life settlements
- Premium financing
- Retirement planning
- Foreign national
- Special risk
Business Specific
- Key person insurance
- COLI/BOLI
- Business succession
- Executive compensation