We have life insurance options for all budgets and all ages. Below is a brief overview of the different types of life insurance and how they work. Fill out our form below with more information about you and your loved ones to receive a personalized quote for the life insurance plan that we believe bests suits your needs.

 

Breakdown of Life Insurance Types:

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Term Life:

Affordable coverage for a specific period (10, 20, 30 years).

• Payout: Benefit is paid to your beneficiary if you die within the term.

• Cash Value: No cash value accumulates.

• Good for: Replacing income, covering debts, or temporary needs like child care during a specific period.

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Whole Life:

 Lifetime coverage with a guaranteed payout.

• Payout: Benefit is paid to your beneficiary upon death, and may also include accumulated cash value.

• Cash Value: Builds over time, you can borrow against it or withdraw (be your own bank!)

• Good for: Leaving a legacy, long-term financial planning, and supplementing retirement income.

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Final Expense Life:

Affordable coverage specifically for end-of-life expenses (funeral, burial).

• Payout: Benefit is typically smaller (around $10,000-$20,000) and goes directly to your beneficiary to cover funeral costs.

• Cash Value: May or may not have a small cash value accumulation.

• Good for: Ensuring your loved ones aren't burdened with final expenses.