There are two types of life insurance

One type of life insurance is term insurance. It offers affordable coverage for a set time period, typically 10 to 30 years. The other is called permanent insurance. It offers coverage for your lifetime with the potential to build cash value and options for more flexibility. Many people find that a combination of both types of life insurance helps them meet both immediate needs and long-term goals.  Blending term and permanent life insurance typically covers a family’s lifetime needs.

There are several types of life insurance policies to meet your needs:

Term Life Insurance – Affordable insurance for a specific time period.

Whole Life Insurance – Permanent insurance, fixed premiums, guaranteed death benefit, and cash value growth.

Universal Life Insurance – Permanent insurance, with flexibility to change payments, premiums and death benefit options.

Variable Universal Life Insurance*
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Index Universal Life – Permanent insurance with the ability to change premiums based on indexed investment options.

Survivorship Life Insurance – Permanent insurance for two people, which provides a benefit to beneficiaries after the second person passes away.


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