We will help you find the best Life Insurance services for you and your family.
There are many kinds of life insurance, but almost all of the plans fall into two categories. These categories are term insurance or permanent insurance. Term insurance is designed to meet a client’s 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 you may only need to be covered until a particular debt is paid off — such as your mortgage. You can also add valuable riders, such as the Return of Premium Rider. This rider gives back 100% of your premiums once you have reached your term period, which is usually 20 or 30 years.