Find A Life Insurance Policy.
What is life insurance?
A life insurance policy pays a sum of money to named beneficiaries upon the untimely passing of the policyholder. A life insurance policy can be very beneficial for:
Parents with dependents
Couples with joint mortgages
Businesses with key employees
Families that cannot afford funeral expenses
Types of life insurance
Understanding the types of life insurance policies you can purchase is important.
Most life insurance policies fall into two categories: Term and Whole Life.
Term life insurance
It is not unlike car insurance – you pay a premium to the insurance company and that company pays a death benefit at the time of your passing. Term life insurance is designed to cover you for a set term, such as 20-30 years.
Covers you for life as long as your insurance premium is paid. Certain types of whole life insurance policies also include cash value accumulation, which can be considered more of an investment than term life, with tax-deferred growth and option to borrow.
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