life insurance

Preparing for your “what ifs”.

secure your family’s financial future

When it comes to the financial security of your family, a life insurance policy or disability income coverage ensures that your family and loved ones will have the money they need for bills, expenses, education, and more in the event of your unexpected injury, illness, or passing.

Our licensed sales agents will walk you through ins and outs of your coverage options so you can confidently choose a plan that works for you and your family. We help answer all of your “what ifs” because your peace of mind is our priority.

There is no cost to you for using our services.
Let us help you find the right plan for your family today.

what we offer

  • Life insurance coverage at any age, including newborn/child policies

  • Final expense coverage to help cover funeral costs

  • Key-man and buy-sell agreements for business owners

  • Disability coverage

  • Annuities

  • Long-term care

life insurance and disability income coverage FAQs

Shopping for insurance coverage today can be an overwhelming experience. Here are some commonly asked questions we receive about life and disability insurance.

Life insurance can be confusing, so here’s a rundown of the basics:

  • Term insurance: This is the simplest and generally the cheapest form. You buy coverage for a specific period of time. It can usually be renewed, but premiums will increase based on age and health factors. There is no cash value.
All other types of life insurance are permanent, but there are several varieties. They all include a savings element that builds cash value, in addition to the death benefit. Once that cash value accumulates, it is accessible to the policyholder tax-free. The following are some of the common types of permanent life insurance.
  • Whole life insurance: You purchase this policy to cover your entire life, as long as you keep paying premiums. Premiums remain constant throughout the policy, and the company invests a portion of your premium that becomes the cash value. These are more expensive than term policies in the early years, but they even out because the premium does not increase.
  • Universal life: This type of policy is tied to a specific investment product and the policyholders receive dividend payments

It’s hard to know how much to buy. Many people decide based on an income replacement calculation, between 5 and 10 times the amount of your current income.

Think about your personal circumstances: Is yours the sole income in your household? Are there other expenses, such as college tuition, that may arise in the future? Don’t forget to include potential medical and funeral costs. Above everything, you want to be sure your family does not get stuck with bills, debts or expenses that they cannot afford. Depending on your needs, you may want to consider buying supplementary coverage beyond what offers.

Rates for life insurance policies will vary. Women typically pay less than men, due to their longer life expectancy, and rates increase with age. Also, smokers pay more than nonsmokers.

request a quote

Fill out the form below to receive a quote from one of our licensed sales agents. They will provide you with plans that fit your budget and your needs. Once you find a plan that you like, your agent will walk you through your documents so that you can take full advantage of your benefits.


ARC Benefit Solutions, Inc. is a wholly-owned subsidiary of CBISA Holdings, Inc., which is licensed as an insurance agency in all states in which it sells. Not all agents are licensed to sell all products. Service and product availability vary by state. Sales agents may be compensated based on a consumer’s enrollment in a health plan. Not connected with or endorsed by the U.S. Government or the federal Medicare program. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. ARC Benefit Solutions currently represents 15 organizations and more than 16,000 total possible plan options, depending upon your county of residence. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. This site contains decision-support content and information about Medicare, services related to Medicare, and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at