Life Insurance

Life Insurance Quote Forms

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Life Insurance Information

Life insurance basically pays out on death. It’s intended to help provide for your loved ones (your beneficiaries) when they can no longer rely on your income. The pay-out can be used to clear any outstanding debts, such as a mortgage, credit card debts or to cover everyday expenses. It can even pay for the funeral expenses.
There are many kinds of life insurance, but they generally fall into two main categories: term life insurance and whole life or permanent life insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid to your beneficiaries after you die. Because it is designed to last a lifetime, permanent life insurance accumulates cash value. Term life insurance is typically cheaper than whole life insurance.
It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals.
To get the right type of life insurance that is tailored towards your needs, you need to contact one of our licensed life insurance professional.