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As the name implies, Term Life insurance provides protection for a specific period of time and generally pays a benefit only if you die during the “term.”


If you're the kind of person who likes predictability over time, Whole Life insurance might be right for you. It provides you with the certainty of a guaranteed amount of death benefit and a guaranteed rate of return on your cash values.


Universal Life offers adjustable premiums that give you the option to make higher premium payments when you have extra cash on hand or lower ones when money is tight. Universal Life allows you, after your initial payment, to pay premiums at any time, in virtually any amount, subject to certain minimums and maximums. You also can reduce or increase the death benefit more easily than under a traditional Whole Life policy.

Life Insurance Sales Representatives

Western Insuror's Team

Brenda Hahn

Ogallala / Brule & North Platte Office

Western Insuror's Team

Janie Painter

Sutherland Office

Western Insuror's Team

Tammy Torrez

North Platte Office

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