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Life insurance can help secure your loved ones’ futures.
You can ensure your family and loved ones are taken care of when you consider term life insurance policies, whole life insurance, and even universal life insurance. These policies can give you peace of mind that you'll have a legacy to help your loved ones.
Let's Review The Different Types of Life Insurance
Term Life Insurance
As the name implies, term life insurance lasts during a specified length — usually up to about 30 years. You can select the amount of the death benefit to fit your unique situation. Should you die during the covered term, the face amount of your policy will go to your beneficiaries. These policies do not accumulate cash value. Therefore, you can usually purchase them for a lower premium price.
Universal Life Insurance
Universal life insurance is permanent insurance that can accumulate cash value over time. You can also adjust the policy according to your needs. While a universal life insurance policy rate of return could drop, it also has the potential to earn a higher rate of return than a whole life policy.
Whole Life Insurance
These policies last for your entire life, and you can select the death benefit amount ahead of time to meet your needs. The monthly cost is often higher than a term policy, but every payment increases your equity. You can even borrow against a whole life policy, if you need.
Our experts are here to answer all of your questions.
Figuring out which life insurance is right for you can be confusing. Our team is here to answer all of your questions and provide the best coverage options from the best carriers available. You can rest assured that you will secure the right coverage for your unique situation.
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