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Life & Disability Insurance


If you get sick or hurt and cannot work, where will the money come from to provide for you and your family? 


We can guarantee you a tax free income to help you through these times. The average risk is 1 in 8 for people working today.


Our agent partners can provide you with a plan that will provide you the security and peace of mind you deserve.


Contact information

4822 Dollarway Road

Pine Bluff, AR  71602


P. O. Box 1602
Pine Bluff, AR  71613



(870) 534-6977


(870) 534-6996

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

Understanding Life Insurance

Life Insurance

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All life insurance contracts follow the same formula.  You pay a premium to the company.  They company takes out their costs and the balance, if any, goes into a cash account and interest is credited.  The formula is:

Premium Paid

-              Costs (Mortality charge + Administrative fees + Expense charge)

Net Premiums

+          Interest

Equity or Cash Value

Final expenses

Companies we represent

Preparing to meet inevitable expenses is something each of us should do for our peace of mind and family's security.  Usually whole life is the best choice for this basic need.  

Final expenses can cost over $10,000.  Consider the table to the right.  

Total is $14,725

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