and the best rates
from top carriers
your life insurance needs
Not the Carrier
About Cave & Cheney
Cave & Cheney offers Customers Term, Whole, and Universal Life Insurance since 1986. The professionals at Cave & Cheney work with the nation’s top-rated insurance companies in order to deliver life insurance solutions tailored to meet individual needs. As an experienced top broker, we represent over 20 of the top-rated carriers in the country.
Over 30 Years Experience
Our Insurance Products
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Why We Buy Life Insurance
It’s called Life Insurance for a reason
It’s not often that you’ll purchase something that will have as strong an impact on someone as life insurance. There are myriad reasons for buying life insurance and the reasons can vary greatly depending on the individual buying the coverage, the surviving family members and even the economic future of unrelated persons.
Life Insurance for your family
Maintaining the financial stability of your family in the event of your death is still the most common and, arguably, the most compelling reason for purchasing life insurance. As the wage earner, your absence creates a financial void. Unfortunately, even when you’re no longer there, the financial obligations don’t go away. Your family still must cover:
- Mortgage payments
- Auto loan payments
- Student loans/Educational expenses
- Credit card debt
- Basic living expenses (food/clothing/utilities/gas/insurance)
- …And the list goes on and on
Lost income isn’t the only financial consideration.
Just because you’re not the ‘breadwinner’ doesn’t mean your untimely death won’t have a serious financial effect on your family…especially if your family includes dependent children. Your expenses could actually increase should you lose your partner, as you may need to pay for:
- Housekeeping services
- Grief Counseling
The last thing you want to leave your family with is a financial burden on top of the emotional pain of losing a loved one. Life insurance may be the most important gift you’ll ever give to your family.
An inheritance without strings attached
Life Insurance for your business
You’ve worked hard to build a successful business, but you’ve had lots of help along the way. You, your business partners and perhaps your children have all played a key role in developing a business that’s provided financial support for so many employees and their families. What happens if you’re not there?
Many savvy business owners have discovered peace of mind and future security for their company with the right life insurance package. From key employee life insurance to more traditional life insurance policies for surviving family members, the right coverage can provide the financial support your business will need should it loose one of its most valuable assets.
Hear what our customers have to say
They have continued to service and update my insurance program through the years. I never have to worry whether or not I have a competitive product.
Truly outstanding personal service! Thank you!
Cave & Cheney was very helpful in assisting me with completing this process which included good follow up. Thank you for your patience.
Very Efficient and competitive!
Excellent service and prompt attention
Good follow up, friendly people and easy process.
I’m pleased with the way this was handled & will be happy to recommend your agency.
Thank You. It is nice to work with a company that is so professional. It makes life so much easier. Keep up the good work.
This team is great! Very Client-Focused and always very responsive to questions.
Everyone was kind and respectful. Went smoothly.
Your team was very professional and did a solid job of communicating with me through every step of the process.
Wyatt and team were very helpful; calls were returned (and emails) promptly and all very professional.
The team members were extremely helpful in my application process. Very patient answering my questions. Friendly and always pleasant.
Very Smooth – No roadbumps… or landmines – Efficient!!
Very impressed with Jennifer Smith, Derek, Alaina, and team! Explained everything thoroughly to my satisfaction. Thank you!
Client Service was Fantastic!
The entire team was extremely helpful and patient with me as I took way too long to focus on this and make a decision regarding the policy I was to obtain. Thank You!
Received Superior Service!
Professional, Knowledgeable, and Friendly
Exceeded my Expectations
Great service, prompt and professional
They were great! I could not get better service elsewhere.
As always, the process has been conducted very professionally and my questions were answered clearly and thoroughly.