Life Insurance — An Affordable Investment For The Ones You Love

People don’t like to talk about life insurance. And that’s understandable — it can be a gloomy subject. But it’s also an important one.

If you suddenly weren’t in the picture, would your family be able to pay the rent or mortgage? Would your children be able to afford school? Would your partner be able to afford child care? Life insurance makes sure that the people you love will be taken care of when you can’t be around for them anymore.

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Kinds of Life Insurance

When buying life insurance, there are two kinds to choose from:

Term Life Insurance - Term life insurance covers you for a set period of time, or “term.” Term life insurance offers the cheapest premiums. Many insurance pros recommend buying term life to cover you during your working life, and investing the amount you save.

Permanent Life Insurance - Permanent life insurance covers you for your entire life. The premiums on permanent life are higher.

Permanent life insurance is available in 3 varieties:

• Whole Life Insurance - Whole life insurance has “level premiums” — meaning the premiums do not increase as you get older. The cash value on a whole life insurance policy almost always increases in value the longer you have it. And as long as you keep paying the premiums, the eventual payout is guaranteed.
• Universal Life Insurance - Universal life is similar to whole life, but is more flexible. In a universal life policy, the benefit can be increased or reduced — in a whole life policy the benefit is set at the start of the policy. A universal life policy also has a flexible premium, ranging from a minimum payment to a higher payment that adds to the cash value of the policy. However, the payout on universal life isn’t guaranteed.
• Variable Universal Life Insurance - Variable universal life is similar to universal life, but allows the cash value of the policy to be split into different investment accounts. The risk of loss of value is greater with variable universal life — but so is the potential for earning more.

Choosing A Life Insurance Policy

Which policy should you choose? It depends on a lot of factors: your age, your budget, and your specific needs. To make sense of all the options, work with an insurance agent. To find an agent, fill out this short form to request free quotes.

When you fill out our short form, you’ll be matched with up to 5 agents in your area. They’ll answer your questions and recommend plans that they think will be a good fit for you. It only takes minutes get started.

Want to see for yourself what options are available? Get your free quotes now.