Life Insurance

 Term life insurance offers straightforward, affordable protection for a set number of years—ideal for covering key financial responsibilities. Permanent life insurance provides lifetime coverage and includes a cash value component that grows over time, supporting long-term planning and legacy goals. 

Long-term care insurance is a smart choice if you want to protect your assets, maintain independence, and ensure flexibility in how and where you receive care as you age. It helps safeguard your financial future while supporting your preferred quality of life. 

Employer-provided coverage is helpful, but it’s often not designed to meet full long-term needs and may not follow you if you change jobs. A personal life insurance policy—term or permanent—ensures your protection is customized, consistent, and fully in your control. 

The earlier you explore coverage, the better. Premiums are typically lower when you’re younger and healthier, and early planning helps you secure your insurability and build a strong foundation for future needs. At GraniteArch, we guide you through the process so you can make confident, informed decisions.