Life Insurance

Life Insurance

Life insurance offers the protection your loved ones need in case the unexpected occurs. Your life policy provides money to a named beneficiary to make up for your lost income. Some other common uses are to fund a child’s education, pay off debt and to pay for final expenses.

Two of the most common types of Life Insurance

  • Whole Life
  • Term Life

Whole Life

Whole Life is a form of permanent insurance. The premiums are level which means they remain the same throughout the life of the policy. The coverage is guaranteed and your policy will grow cash value at a guaranteed interest rate.  The cash value can be withdrawn and borrowed against. Though whole life is designed for the long term some policies can be paid up after a certain number of years. Coverages can be customized to fit your individual needs.

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Term Life

Term Life provides protection for a specified period of time. The proceeds from the policy are issued to the beneficiary tax free if the insured passes away within this period. That money can be used to pay off debt, pay off home and take care of your final expenses. The premiums remain the same and the policy can be renewed at the end of each term. There are also options to have your premiums paid returned to you if you live past the predetermined period.

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