Policy Types

Term Life Insurance

Term insurance is a type of life insurance policy that provides coverage for a specified "term" of years (Example 10, 15 or 20 years). If the insured dies during the time period specified in the policy and the policy is active, then a death benefit will be paid.

Whole Life Insurance

Whole Life Insurance is a type of life insurance policy that provides coverage for the insured's entire lifetime. The premiums are "locked in" and never increase and the policy amount will never decrease.  These policies also accumulate cash value which can be borrowed against or withdrawn by the insured.

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