Life & Disability Insurance

Protect your legacy and ensure your loved ones are taken care of — especially if you’re injured on the job or if you pass unexpectedly. Life and disability insurance are simple, economical ways to plan ahead while enjoying the now. It allows you to protect what is most important, your family. By planning now, you can become a blessing tomorrow.

Calculate your Life Insurance needs by clicking here.

Term life insurance is small financial investment that solves some of life’s biggest problems. Our policies offer you and your family financial protection for a set time period, typically ranging from 10-30 years. Since life expenses typically outpace earnings, term life is a vital source of financial support for your family in case of your untimely death. A term policy can secure your family’s future by:

• Paying your mortgage or unpaid bills after your death
• Covering college tuition for your children
• Helping your family maintain its standard of living after your death

Term life is an economical way to cover your family’s essential needs, since the premiums remain fixed for the length of the premium period you choose.

Permanent life insurance offers lifelong coverage that secures your family—and your legacy. While protecting your family from financial losses in the event of your death, it also lets you leave a legacy to loved ones or to your charity of choice. Permanent Life policies come with the ability to customize features on various policy types.

Whole Life

Designed with total financial protection in mind, whole life insurance offers:

• Lifelong coverage for loved ones, in the event of financial loss
• A cash value
• A guaranteed death benefit
• Level premiums
• Access to its cash value through policy loans and withdrawals

Universal Life

Universal life combines the best attributes of term insurance with the security of permanent life insurance. Designed with flexibility and affordability in mind, Smallwood and Small can design a plan to stop premium payments  either at retirement or according to your specific timeline. If you seek added market growth potential, universal life features:

• Lifelong coverage for loved ones, in the event of financial loss
• A cash value
• A guaranteed death benefit
• Flexible premiums suited to your changing needs
• Access to its cash value through policy loans and withdrawals
• Options to increase/decrease your coverage after your policy is in effect

If you’re unable to work for a short time due to childbirth, illness or an accident, short term disability preserves your standard of living during this transitional time in your life. Policies, which offer six months to a year of disability coverage, feature:

• Regular payment benefits, paying you a portion of your salary on a weekly or monthly basis
• Rehabilitation benefits to cover rehab, workplace modifications and dependent care

If you become ill or are unable to work for an extended period of time, long term disability insurance alleviates your financial worries and allows you to focus on your recovery. Designed to replace a portion of your income during an extended leave from your job, long term disability policies feature:

• Monthly benefit payments entitling you to a portion of your salary
• Rehabilitation benefits to cover workplace modifications, rehab and dependent care expenses