What Type of Policy Should I Get?
Whole Life Insurance
Whole life insurance, sometimes called permanent life insurance, provides coverage for your entire lifetime. That means your family and beneficiaries are covered for the duration of your life. Whole life insurance accumulates cash value, too, providing you the option of borrowing against it. It’s a financially smart way to help protect yourself and your loved ones. You can even buy a separate policy for children, so they have coverage for their entire lives.
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Universal Life Insurance
Universal Life Insurance is protection that offers payment flexibility and the ability to adjust the coverage amount over time. It offers low-cost protection like term life insurance and a savings element like whole life insurance. It can help your family financially with immediate cash for funeral expenses or can be used in other ways, such as business situations, to create a charitable gift, or to help generate an inheritance.
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Term Life Insurance
Everyone needs financial protection. With term life insurance, you can provide for your loved ones even if … well, you’re not there. It’s not easy to think about, but having a well thought out financial plan is a smart move. Term life insurance can be a cost-effective way to cover expenses like debt, college costs or even replace a wage earner’s income, so your loved ones will not be financially burdened.
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