Life & Health

Individual Life

Life insurance from S&T-Evergreen Insurance helps individuals secure their family’s future by providing the funds they need to cover burial expenses, medical bills, mortgages and other outstanding debts to maintain a comfortable standard of living.

There are a variety of life insurance policies that S&T-Evergreen Insurance can provide: 

Term Life

A low-cost way of providing maximum coverage for your family, term life insurance provides protection for a limited number of years. The insurance expires without value if the insured lives beyond the policy period.

Term insurance premiums will not increase during the policy period and pays a death benefit only if a policyholder dies during that term. Term insurance generally provides the largest insurance protection for the premium dollar.

Universal Life

Universal life insurance is characterized by flexibility, enabling policyholders to determine the amount and frequency of premium payments. Premiums cover an insurance portion as well as a savings or investment element. The stated interest on the investment portion changes along with movements in interest rates.

Whole Life

Whole life insurance provides permanent protection, from the date of policy issue to the date of the insured’s death. Premiums are set at the time of issue and remain level for the policy’s life. Unlike term insurance, whole life combines protection and cash value that builds over time.

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