At S and M Insurance we offer several products to make sure we provide you with the best service.

Whole life- you pay a level premium all of your life. The price does not change as long as you pay your premium.

10 pay- you only have to pay for ten years and the policy becomes paid up.

20 pay- you only have to pay for twenty years and the policy becomes paid up

Paid up at 65- This whole life is for those who once they reach retirment they no long want to pay for life insurance.

Term- We offer term life insurance for 10,15,20 and 30 years. Your premiums will remain the same for the length of the term you choose.

Fixed annunities - This insurance is used to help plan for retirement. You get a fixed rate of return which is not tied to the stock market. You are guaranteed growth each year. This plan can start for the low cost of $20.00 a month.