Life Insurance

Life Insurance Guidance Journey Information

There are many kinds of life insurance, but they generally fall into two categories: term and permanent.

Term Insurance

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Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt, such as your mortgage, is paid off.

Permanent Insurance

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In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums and no loans, withdrawals, or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

Finding the Right Life Insurance Coverage for You

It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals. If you’re looking at options for life insurance, we’re here to answer your questions and provide guidance. As an independent agency, we’re committed to helping you compare multiple options to find your best choice. Call our agent at (800) 829-5270 or click here to request a quote.

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