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Term Life, Whole Life, &
Universal Life for adults and children. |
Term Life
Term Life
is the most inexpensive of all life insurance options. Term Life will pay a
pre-determined benefit upon your death. Neither the premium nor the face amount
will ever change within your term; 10, 15, 20, 25, and 30 year terms available.
If you have recently purchased a new policy or if you have had a policy for a
while you still may be paying too much. If you have recently married, had a
baby, moved into a new home, started a new job, or lost your job and the
coverage you had through your employer, now is the time to re-evaluate your
life insurance.
Whole Life & Universal
Life
Whole Life is the most expensive because it has the
most guarantees. The death benefit does not change and the premium is
guaranteed, usually through age 100. Universal Life is like a term policy with
an interest rate paid on the excess cash value. It builds cash value, but may
require additional premium after a certain time to keep the policy in force.
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