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Life Insurance

You want to be certain that those you care about are provided for. Life insurance can help.

Things to Consider

There are two basic types of life insurance: term and cash value. While term insurance is pretty straight-forward, variations exist within the cash value category. Before making a decision, it is important to understand exactly what is provided within each life insurance category.

 Term insurance

Insurance that you buy for a defined term usually between 10 and 30 years. Death benefit is paid only during the term of the policy. Term policies have no investment or cash value. Some carriers offer an option for return of premiums.

  Cash Value insurance

Rather than having a fixed term, these policies are intended for life long coverage. In addition to a cash benefit payment upon death, these policies include some form of a cash account that grows in value over time. This type of insurance includes:

  • Whole life
  • Universal life
  • Variable life