Life insurance is needed for when the unimaginable becomes reality. What if you die unexpected? Could your family continue to live in your home? Would your children be able attended college? Do they have the funds available to pay for your funeral and final expenses? Life insurance is there to provide financial help to those affected by those unexpected situations.
There are two types of insurance, whole life and term insurance. Your age, income, health and some other additional factors will help determine which type and how much life insurance is best for you.
Whole Life Insurance
- Provides coverage for your entire family
- Premiums never increase during ownership of your whole life policy
- Builds cash and loan value
Term Life Insurance
- Provides coverage for a limited period
- Pay an increased premiums to keep the coverage
- Typically less expensive than whole life insurance
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