Understand your choices
A quick, plain-language overview of common types of life insurance so you can have a more informed conversation with a licensed agent.
Term life insurance
Coverage for a set period — often 10, 20, or 30 years. Typically the most affordable way to get a larger amount of coverage during the years your family depends on your income.
Whole life insurance
Permanent coverage that lasts your whole life and can build cash value over time. Premiums are generally higher but stay level.
Universal life insurance
Permanent coverage with flexible premiums and a cash-value component, offering more adjustability as your needs change.
Final expense insurance
Smaller whole-life policies designed to help cover end-of-life costs such as funeral and burial expenses, often with a simplified application.
Not sure which is right for you?
Request a free quote and a licensed agent can help you compare.