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Life insurance is a very long-term proposition. Policyholders need to be as sure as possible that the company is going to be there to fulfill its obligations. The need for company strength and stability cannot be overemphasized
Policies
Most large carriers offer a full menu of insurance products. A large selection of available insurance products might become more important to you as time passes because your needs change over time. If your carrier allows you to easily upgrade (or downgrade) to a different kind of life insurance policy, it might make all the difference to you and your family.
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Term life: Structured to insure you over a set period of time.
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Universal: A form of permanent insurance structured to insure you over your entire life.
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Whole life: Permanent insurance with fixed premiums and returns.
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Variable life: Permanent insurance that invests in mutual funds providing potential greater returns (and losses).
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Survivorship life: Permanent insurance often purchased by couples that pays off after both parties pass away.
Term life
Term life insurance is extremely popular. It’s very inexpensive which means you can buy a lot of coverage for each dollar you spend. Policies are much less expensive for younger purchasers, and premiums and death benefits are clearly defined from the beginning. If the policy holder dies during the term of coverage, his or her heirs receive the money.
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LIFE INSURANCE
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Coverage and Rates to Meet Your Needs — Get a Life Insurance Quote
We can help you find coverage that's right for you and your loved ones, including permanent life insurance with Living Benefits that you can use in your lifetime. Our life calculator can help you understand your options and figure out how much and what kind is right for you before getting your life insurance quote.
You could get up to
$100,000
in term life insurance
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