Life Insurance

Life insurance plays an important role at every phase of life, whether it is

• getting married
  
• having a child
  
• buying a home
  
• retirement or
  
• even death.

And Life Insurance also helps to preserve your financial stability after the loss of a loved one.

Simple put Life insurance provides you and your loved ones with income when you need it most!

The two most common form of Life Insurance are:

Term Life

A Term Life Insurance policy covers only if death occurs during a specific period of time, which coincides with the terms in which the insured member is required to make a monthly premium. A Term Life Insurance policy pays a benefit to the beneficiaries only if the policy holder dies during the time period for which the policy was initially contracted and has remained current on their annual or monthly premium payments.

Whole Life

Permanent Life Insurance does not have a time limit, as does Term Life insurance. In addition to remaining in effect as long as you pay your monthly premiums and keep any other obligations per your contract with the life insurance company, these type of policies also accrue “cash value.”

The most common type of Permanent Life insurance is Whole Life Insurance. Other types of Permanent Life insurance are Universal Life and Variable Life insurance.

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