life-insurance

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Whole Life, Universal Life, Term Life Insurance, Guaranteed Issue? Call me and we can determine which type of policy is right for you.

Term Life Insurance:

  • least expensive initially
  • you are buying coverage for a specific number of years
  • the coverage simply expires at the end of years (term)
  • may be able to be converted to permanent, whole life insurance

Permanent Life Insurance:

  • more expensive to start off than term life policies
  • they will remain in effect throughout the insured’s lifetime
  • premiums stay level
  • whole life and universal life insurance policies provide permanent protection

Guaranteed-Issue Life Insurance:

  • policy that provides coverage regardless of medical history or age
  • a choice if a traditional life insurance policy is not an option