Your Insurance, Your Way
Life insurance is an important plan for the unexpected — it offers financial protection to your loved ones if you die suddenly by replacing your income. The beneficiaries of your life insurance policy receive a lump sum that they can use to cover bills, everyday expenses, and various anticipated costs — such as medical bills or college tuition.
Life Insurance Coverages
Term Life Insurance
Term Life Insurance is in effect for a set number of years, usually anywhere between five to 30 years. Term life insurance is a basic policy with no additional components, such as a cash value, but it is a great life insurance policy option for most people due to its lower cost.
Whole Life Insurance
Health insurance is a plan, or policy, that covers a percentage of doctors’ visits and hospital bills. It exists to help offset the costs of medical events, whether they’re planned or happen unexpectedly.
Indexed Universal Life Insurance
Indexed Universal Life Insurance is whole life insurance that allows for some cash value growth through an equity index account. Unlike other universal policies that only grow cash value through non-equity earned rates. Once you’ve built up enough cash value, you can use it to lower or potentially fully pay for your premium without lowering your death benefit and even borrow from the cash value.
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