Whole Life Insurance

Whole life insurance is a permanent type of life insurance that lasts the duration of your life and pays out a death benefit to a beneficiary or estate. The premiums remain level and the policy accumulates a cash value.

Whole life insurance is  typically purchased in the early adult life and is great for keeping family members financially stable after a loss. There are many variations to whole life such as Life Paid Up at 65, Single Premium Life, Modified Whole Life, and Step-Rate Whole Life. ]

  • Never expires
  • Level premiums
  • Builds cash value
  • Can earn dividends

Term Life Insurance

Term insurance is purchased for temporary periods of time. The policy does not build a cash value and only pays a benefit if the insurer dies within the term selected (5, 10, 20, 30, years). This policy is typically purchased by those who want maximum amount of protection for a short period of time. There are  different options of term insurance including: level term, decreasing term, and covetable term.

  • Lower premium
  • Customizable
  • Large death benefit
  • Can be used as collateral on loans

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