This website is best viewed using Firefox. Please update your browser.

Individual Life Insurance

Life insurance is the cornerstone of your family's financial security. It provides them with cash in the event of your death. The proceeds can help pay for the mortgage, support the household, and help to ensure that your dependents won't be burdened by debt.

There are many types of policies available:

  • Term Insurance
    • Ten Year Level
    • Twenty Year Level
    • Thirty Year Level
  • Cash Value Life Insurance
    • Traditional Whole Life
      1. Par
      2. Non-par
    • Universal Life
    • Variable Universal Life
    • Second-to-Die
      1. Par
      2. Non-Par
  • Corporate Owned Life Insurance
    • BOLI (Bank Owned Life Insurance)
    • COLI (Corporate Owned Life Insurance)

Whether it be an employer-sponsored life insurance policy, or an individual policy, HRS Financial Services, L.L.C. can help you decide which is best for you.


  • American General
  • American Life of NY (on-line)
  • Banner Life Insurance
  • CNA-Valley Forge Life Ins
  • Empire General
  • First Colony Life
  • First Penn-Pacific Life Ins
  • Guardian
  • Jefferson Pilot
  • Lincoln Benefit Life
  • Mass Mutual
  • MET Life
  • Midland Mutual
  • National Benefit
  • North American Company
  • Old Line-American General
  • Ohio National Life
  • Principal
  • Prudential
  • TransAmerica Life Insurance
  • UnumProvident
  • Union Central
  • United Mutual of Omaha
  • West Coast Life

Contact Us

HR&S Financial Services, LLC welcomes your requests, comments, questions, and/or concerns. Simply fill out our contact form.