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Set yourself up for retirement with investment options that work for you.

Personal Life Insurance
Invest Today, Relax Tomorrow
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What is life insurance and why do you need it?

Life insurance is meant to protect those you love when you’re not here by providing them with financial security and helping them:

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Replace loss income and support living expenses

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Pay for funeral costs and other last expenses

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Continue to pay down your mortgage and other household debt

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Take care of your children’s educational expenses

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Pay off inheritance taxes and other fees that allow your beneficiaries to take possession of your estate

For over 60 years, we’ve personally worked with our clients to help them choose the right policy for themselves and their family’s future. Reach out to one of our life insurance specialists and start planning today.

Life insurance for life’s milestones

Learn how life insurance plays a key role in these major life events and how it protects you and your loved ones.

Buying-a-home-banner-web

Buying a home

When you buy a home, you’re protecting your family for generations. You can ensure the home you create together is protected with mortgage insurance that pays down the mortgage even after you pass—so you all can have peace of mind.

Marriage-web

Getting married

Being married means sharing not only a life together, but everything that comes with it like a mortgage, loans, joint credit card debt, and more. Protect your partner from dealing with these financial burdens alone with a life insurance policy.

Newborn

Expecting a baby

Protect your child’s future no matter what happens to you with a safety net they can rely on. Having a life insurance policy will give your child and their guardian the financial security they need to cover expenses such as health care costs, school tuition, childcare, and more.

What type of protection is right for you?

Whole Life Insurance

CG’s Life Choices Whole Life is a permanent life insurance that guarantees a payout as long as you pay the premiums. Premium is fixed and will not increase. This policy is designed to not only provide long-term financial security for your dependents, but also acts as an investment for you through the cash value it offers.

Level Term Life Insurance

CG’s Life Choices Level Term Life provides temporary life insurance protection for a defined number of years. During the contract period, premiums are guaranteed to never increase. The premium is more affordable compared to Whole Life Insurance, however it doesn’t offer the same benefit of building cash value.

Decreasing Term Life Insurance

CG’s Life Choices Decreasing Term Life is typically employed to pay for debts that decrease in value, such as a mortgage. It is available in 10, 15, 20, and 30 years – to coincide with the term of your mortgage. Unlike Level Term Life, its death benefit will also lessen gradually to suit the decreasing mortgage balance over time.

Annuity

While life Insurance provides financial protection to your loved ones should you pass away too soon, an annuity provides protection should you outlive your savings. It offers a steady, lifelong income that is fully guaranteed and protected from market volatility, helping provide you with financial security during your golden years.

Excellence measured
 by numbers

A

Excellent rating
from AM Best insurance agency assessment

10-15

Business days
to process death benefit claims

$477M

Managed 
premium income
as of December 2021
Savings

Invest for the future you want

In addition to life insurance plans, we also offer investment management services to help you reach the future you envision for yourself and your family.

Maximum Investment Plan (Monthly)

This plan allows you to automatically invest a set amount every month, with a minimum of $200 per monthly contribution.

Single Premium (Lump Sum)

This plan accepts a lump sum investment starting from a minimum of $2,500. Your investment will be guided by our specialists and can be cashed out at any time without penalty.

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Frequently asked questions

The beneficiary is the person who receives the death benefit payout when the insured person dies. You can name one or multiple beneficiaries in your policy.

It depends on your applied insurance amount or death benefit. We may not require medical exams up to a certain insurance amount. Please speak to one of our specialists for more information.

It depends on the specific condition. Some conditions may be accepted with an exclusion clause, while others will be denied. Please speak to a CG specialist to find out more information.

The amount of cover one needs is a complex question based on your individual needs. For this reason, we recommend that you speak with a CG specialist to help determine your optimal amount of coverage. Contact us or visit our get a quote page for more information.

The cost of line insurance depends on many factors. Health related factors such as: age, gender, tobacco use, family medical history, and current health will impact the cost. Additionally, the requested insurance amount and policy type will determine the cost. Speak with one of our specialists to discuss the policy cost based on your individual profile.

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