There are few guarantees in life, especially when it comes to financial planning. You work hard to make sure you and your family are safe - no matter what might happen - but how can you really be ready for what tomorrow may bring?

At Ding & Bradley Financial Services, it’s all about you! We know that every situation is different and no one's financial needs are the same. That's why we offer Whole Life insurance - a permanent insurance plan that offers choices for you to have the premium payment and coverage amount that's right for you.

Whole life insurance provides permanent, lifetime protection for a level premium. Depending on the plan you buy, whole life insurance spreads the cost of your coverage over the lifetime of the policy or over a limited period of time.

Participating life insurance combines permanent life insurance protection with a tax-advantaged savings component. It can protect you for life, provided your premiums are paid when due. Participating life insurance policies also have a potential to receive policyholder dividends.

Participating life insurance is permanent life insurance with:
>> A core of guarantees for basic coverage—premium, death benefit and cash surrender values
>> A tax-advantaged savings component
>> The potential for earning policyholder dividends that can be used to purchase >> additional life insurance or reduce your out-of-pocket premiums (policyholder dividends aren’t guaranteed)
>> A choice of riders and benefits that can be added to the basic policy