Protect the future of you and your loved ones.


Whether you’re looking to provide financial security in the event of death or disability, finance a child’s education, pay off a mortgage, fund retirement or cover final expenses, Encova is there for you.

You can count on us to handle your life insurance, long-term care, and disability insurance needs.


Determine your areas for financial need.

Life insurance exists to protect those who depend on you financially in the event of death or disability. Simply put, there are two main reasons to buy life insurance:

  1. Because you owe someone
    • Final expenses
    • Debt payment
    • Mortgage payoff
  2. Because you love someone
    • College education
    • Emergency fund
    • Charitable requests
    • Survivor income


Understand your coverage options.

While you may have life insurance through your employer, you should know that your employer-sponsored plans may have the following limitations:

  • Discontinue when your employment ends
  • Do not carry over into retirement
  • Have limited term coverage

When shopping for life insurance, there are two major types:

  • Term insurance provides coverage for a specific period of time. In the event of death or major disability, it protects dependents from financial responsibility for your debts, such as mortgages and loans and will replace your income. 
  • Permanent insurance, such as whole life or universal life, provides lifelong coverage, and the death benefit is guaranteed. It also has an important additional feature called a “cash value,” which grows with tax-deferred interest during your lifetime. You then have the ability to leverage this as a quick source of money in an emergency situation.

Our most thorough and unique life insurance product is blend. It combines the benefits of both whole and term insurance to provide you with long-term savings and coverage for a set amount of time for debt, such as a mortgage.

We have several plans available to ensure your family is financially protected. Whether you live, die or become disabled, we’ve designed our life insurance and annuity products with your needs in mind. Our products come with outstanding service and the single, most important thing you can count on – the promise to pay.

You can calculate your needs by visiting the Life Happens life insurance needs calculator and then discuss the outcome with your agent.


Find a plan that meets your specific needs.

In the unfortunate event you or a loved one becomes disabled, Encova is here to help you expect the unexpected. Consider whether you need coverage for yourself or your entire family. Some of the types of coverage and plans available include:

  • Group coverage
    • Disability
    • Life
    • Dental
    • Vision
  • Individual coverage
    • Disability
    • Life
    • Long-term care

Contact an agent to help you select a plan that best meets your specific needs and budget.