Life Insurance & Annuities

Your loved ones rely on you for care, companionship, stability and financial security. Unfortunately, none of us can guarantee that we will always be there. Through life insurance, you can ensure that your family has excellent care, stability and security even after you’re gone.

Hogendorp Insurance can assist you through determining the right life insurance policy for you and your family. With a wide range of policies including whole life, term life, universal life and more, you can get the coverage you need for a more affordable price than you would think.

Whole Life

Whole life insurance is a long-term way to give
your family a lifetime of protection. Our range of whole life insurance products provides your family with guaranteed benefits with fixed premiums, the ability to accumulate cash value and fixed benefits.

Term Life

Some people don’t need lifetime coverage. Instead, short-term or limited-term life insurance policies can be perfect. Our term life policies offer:

  • Custom term length (10, 15, 20 or 30 years)
  • Affordable coverage for as long as you will need it
  • Competitively priced premiums
  • Customization options including living benefits
  • Preservation of insurability to convert to a permanent insurance policy later

Universal Life

Your life insurance should be able to change along with you. Universal life insurance is a permanent life insurance policy, but it offers more flexibility than a traditional whole life policy. Our universal life options include:

  • Flexible premiums
  • Versatile benefits
  • Loan access
  • Optional riders including accelerated benefits, disability waivers of minimum premium, children’s level term and coverage continuation

Indexed Universal Life

Our indexed universal life insurance products include the same suite of features as our universal life products with the added benefit of being able to earn returns through credited interest tied to stock index performance. Our indexed universal options include:

  • Flexible premiums
  • Versatile benefits
  • Loan access
  • Optional riders including accelerated benefits, disability waivers of minimum premium, children’s level term and coverage continuation
  • Upside potential

Credit Life Insurance

Credit life insurance offers you a life insurance benefit that will help you to reduce or pay credit obligations in the event of death during the coverage term. These credit life policies include:

  • Paying benefits directly to the lender
  • Premiums included in your monthly loan payment
  • Immediate coverage
  • Payments on top of other insurance policies
  • Coverage tailored to the amount financed