Life Insurance Solutions Designed to Protect What Matters Most

At Ausband Chapman Insurance, we believe life insurance isn’t just about preparing for the unexpected, it’s about ensuring your family, business, and legacy are protected no matter what the future holds. With the right plan, you can replace lost income, pay off debts, secure your children’s education, and provide peace of mind for those you love.

We offer Term Life, Whole Life, and Universal Life Insurance to meet different needs, budgets, and long-term goals. Whether you need short-term coverage for a specific stage of life or a lifelong policy that builds cash value, we’ll help you select the right fit.

Term Life Insurance:

Affordable Protection for a Set Period

What it is: Term life insurance provides coverage for a specific number of years, typically 10, 15, 20, or 30 years, at an affordable rate.

How it’s used: It’s ideal for covering temporary financial obligations like a mortgage, business loan, or children’s college tuition.

Why it’s important: Term life allows you to secure high coverage at a low cost during your most financially demanding years.

Risk of not having it: Without term life, your family may face financial hardship paying off debts or covering living expenses if you pass unexpectedly during these critical years.

Whole Life Insurance:

Lifetime Coverage with Cash Value

What it is: Whole life insurance offers permanent coverage with fixed premiums and a guaranteed death benefit. It also builds cash value you can borrow against or use in retirement.

How it’s used: Many clients use whole life as a tool for both protection and wealth-building, creating a financial safety net and a potential source of funds for future needs.

Why it’s important: Whole life combines lifelong protection with the stability of predictable costs and guaranteed growth.

Risk of not having it: Without a permanent policy, you may lose coverage as you age or face higher premiums later, leaving loved ones without financial protection when they need it most.

Universal Life Insurance:

Flexible Protection for Changing Needs

What it is: Universal life insurance provides permanent coverage with flexibility in premiums and death benefits, along with a cash value component that can grow based on interest rates or market performance.

How it’s used: It’s a great option for those whose needs or financial situation may change over time, allowing for adjustments without losing coverage.

Why it’s important: Universal life lets you adapt your plan as life evolves, whether you need to increase protection, reduce premiums, or access cash value.

Risk of not having it: Without flexible coverage, you could be locked into a plan that no longer matches your financial goals or life stage.