Protect the Ones Who Matter the Most
Term Life
Term life insurance provides death protection for a stated time period, or term. Since it can be purchased in large amounts for a relatively small initial premium, it is well suited for short-range goals such as coverage to pay off a loan, or providing extra protection during the child-raising years.
Permanent Life
A permanent life insurance policy is a contract with a life insurance company to provide protection throughout your entire life, as opposed to term insurance that just provides coverage for a specified number of years. As with term coverage, the death benefit is typically paid out income tax-free to beneficiaries.
Universal Indexed Life
Indexed universal life (IUL) insurance is permanent, which means it lasts your entire life and builds cash value. An IUL policy allows for some cash value growth through an equity index account, unlike other universal policies that only grow cash value through non-equity earned rates.