Life Insurance

Will your loved ones be protected when you're no longer around to care for them? With life insurance from Century Wealth Management, you can rest easy knowing that your loved ones will be taken care of after your gone. We provide one-on-one guidance specific to your life situation and work within your budget criteria to customize coverage that fits your needs. 

Term Life Insurance*

Century Wealth Management offers a variety of terms for life insurance. With low premium rates, you can choose the term and amount of insurance that is just right for you.

Term life insurance provides life insurance coverage for a specified term. The policy does not accumulate cash value and the term is usually considered "pure" insurance, where the premium buys protection in the event of death and nothing else.

Items to consider in term life insurance are:

  1. The face amount (your protection or death benefit)
  2. The premium cost 
  3. Length of coverage (the term)

Century Wealth Management offers the following terms:

  •  10 Year Term Life Insurance
  •  15 Year Term Life Insurance
  •  20 Year Term Life Insurance
  •  25 Year Term Life Insurance
  •  30 Year Term Life Insurance

Call or e-mail to receive a personal quote:

(269) 273-3693

Investment Executive

Whole Life Insurance (Universal and Variable)*

Century Wealth Management offers both Universal and Variable Whole Life Insurance. You can choose the term and amount that insurance is just right for you.

Variable Universal Life insurance (VUL) provides tax-deferred growth with the bonus of permanent life insurance protection. A primary purpose of life insurance is to provide for dependents at the death of a primary wage earner paying for everyday needs, the home mortgage, or education of family members.


  • Owner controls money and chooses from multiple investment options.
  • No pre-591/2 restrictions on withdrawals.
  • Tax-deferred accumulation with tax-free withdrawals.
  • Self-completing in the event of death.
  • Accumulation value generally not considered an asset when applying for financial aid.


  • Typically 10-year minimum time horizon for withdrawals.
  • Minimum funding requirements.
  • Must be insurable.
  • Underwriting requirements must be met.

The advantages of whole life insurance are guaranteed death benefits, guaranteed cash values, fixed, predictable annual premiums and mortality and expense charges that will not reduce the cash value of the policy. 

Both the universal life insurance policy and the variable whole life insurance policy include a cash value.

Call or e-mail to receive a personal quote

 (269) 273-3693

 Investment Executive

*Guarantees are based on the claims paying ability of the issuing company. Policy benefits are reduced by a loan, loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above what is paid into the policy may cause ordinary income taxes to be paid on the gain portion of the policy. If the insured is under 59 1/2 the gain portion of the withdrawal is subject to a 10% tax penalty.

Variable universal life insurance is sold by prospectus. Investors should carefully consider the investment objectives, risks, charges and expenses of the variable investment options before investing. The prospectus contains this and other information about the investment company. A prospectus is available from an Investment Executive. Please read the prospectus carefully before investing.

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Located at: 1310 W. Broadway, Three Rivers, MI 49093. 269-273-3693

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS InsuranceAgency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *NotFDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

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