Term Life
Term Life provides coverage for a specific period of time and is temporary is nature. This type of life insurance provides the greates amount of coverage for the lowest premium.
Traditional Whole Life
These policies are not temporary, build cash value and typically remain in effect for the insured's entire life as long as premiums are paid.
Adjustable Life
These policies consist of a combination of Term and Whole life components and can be converted from one to another.
Universal Life
Refers to a flexible premium Adjustable Life policy. The policyowner has the ability to increase or decrease premiums paid into the policy.
Variable Whole Life
These are level fixed premium investment based products where the value is not guaranteed and fluctuates with the investment performance.
Variable Universal Life
These are flexible premium investment based products where the value is not guaranteed and fluctuates with the investment performance. Similar to Universal Life products, the premium can be increased or decreased.
Indexed Life
These policies have a guaranteed minimum interest rate and the policy's cash value dependent upon the performance of an underlying equity index. The face amount of the policy will increase on an inflation adjusted basis.
Joint Life
These policies are designed to insure two or more lives where the premium is based on the average age of the insured parties and the death benefit is paid once following the first death.
Survivorship Life
Very similar to Joint Life where the premium is based on the average age of the insured parties, but the death beneift is paid upon the last death.
Final Expense
These policies are designed to help your loved ones pay for burial costs.
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