Life Insurance

In the event of a premature death, life insurance helps ensure that your loved ones are protected against financial hardships. It provides security for your family by protecting your financial resources, such as your present and future income, against the uncertainties of life.

More specifically, life insurance provides cash to your family after your death, providing income and assist in meeting many financial needs, including paying mortgage or rent payments, household expenses, and school or college tuition. Life insurance ensures that your dependents are provided for and eliminates the need to sell assets to pay outstanding debts or taxes. Also, there is no federal income tax on life insurance benefits.

FCNB Insurance offers three types of Life Insurance: Permanent Insurance, Term Insurance and Long Term Care and Disability Insurance.

Permanent Insurance

Designed to provide life-long coverage with benefits and features usually not available with term life insurance policies. Cash value is available for emergencies, family members can be included and coverage premium payments generally remain level. FCNB Insurance offers Universal Life Insurance, Whole Life Insurance and much more.

Term Insurance

Provides coverage for a specified period of time such as 10, 20 or 30 years. It is designed to protect short-term needs such as debt obligations, mortgages or protection while children are young. Typically, term insurance does not provide cash value. A variety of options are offered through FCNB Insurance.

Long Term Care and Disability Insurance

This product, as well as many more options, are offered through FCNB Insurance. With the help of one of the insurance professionals at FCNB Insurance, you can develop a comprehensive insurance plan that will protect you and your family.