Term Life Insurance

• Covers you for a set amount of time
• Some policies have premiums that never increase
• The most affordable
• Some can be converted to whole life with some policy features

Term Life insurance can be offered in 10, 20, 30, or 40 year increments

Whole Life Insurance

• Covers you for your entire life as long as premiums are paid or paid-up
• Builds cash value
• Can borrow from the cash values at certain times. 

Whole Life insurance helps your family prepare for the unexpected. The death benefit can help replace a family's loss of income, help with mortgage loans, auto loans, outstanding medical bills, or student loans. Whole Life policies build cash value that grows tax-deferred.

Whole Life insurance policies offer fixed premiums for as long as you live, provided that premiums are paid as required per the contract to keep the policy active and in force.

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