Not sure what type to choose?
Term Life Insurance
- Provides temporary coverage for a specific period of time, such as to cover a mortgage or to provide financial support for a family.
- Less expensive than permanent life insurance.
No Medical Exam Term
- Offers temporary coverage without the need for a medical examination.
- Can be a good option for individuals who do not have the time or inclination to go through the medical exam process.
Final Expense Whole Life
- Covers end-of-life expenses, such as funeral and burial costs.
- Typically has lower coverage amounts and premiums than traditional whole-life insurance, making it more affordable for individuals on a fixed income or with limited financial resources.
Guaranteed Whole Life
- Does not require a medical examination or health questions.
- A good option for individuals who are unable to obtain traditional life insurance due to poor health, advanced age, or disability.
Whole Life Insurance
- Provides permanent coverage for the policyholder's entire life.
- Can build cash value, which can be accessed through policy loans or withdrawals.
Permanent Universal Life
- Provides flexibility to adjust the coverage amount and premium payments over time.
- May offer the opportunity to build cash value, which can be accessed through policy loans or withdrawals.
Instant Term Insurance
- This a good option for individuals who prefer to handle their insurance needs online.
- Typically available to individuals who are in good health and do not have any pre-existing medical conditions that would make them ineligible for traditional term life insurance.
Agentless Term Life
- Individuals who prefer to handle their insurance needs online and do not want to spend time meeting with an agent in person or on the phone.
- Typically available to individuals who are in good health and do not have any pre-existing medical conditions that would make them ineligible for traditional term life insurance.
Life With Living Benefits
- Provides financial protection not only in the event of the policyholder's death, but also while they are still alive.
- May offer benefits such as long-term care coverage, chronic illness coverage, and the ability to access a portion of the policy's death benefit while the policyholder is still alive.
Accidental Death Insurance
- Provides financial protection specifically for accidental deaths.
- Does not require a medical examination or health questions.
Children's Whole Life
- Provides financial protection for a child's future needs, such as education expenses or the cost of raising a family.
- Provides the option to convert the policy to a permanent life insurance policy as the child grows.
