Comprehensive coverage options with living benefits included
Affordable protection for a specific period
Young families, mortgage protection, income replacement, budget-conscious buyers
Lifetime protection with cash value growth
Estate planning, wealth transfer, long-term savings, permanent protection needs
Flexible permanent coverage with adjustable premiums
Those wanting permanent coverage with flexible premiums, supplemental retirement income
Simplified coverage for end-of-life expenses
Seniors (50-85), covering funeral and burial costs, paying off final expenses
Guaranteed retirement income for life
Retirement planning, supplemental income, pension alternatives, market protection
| Feature | Term Life | Whole Life | Universal Life | Final Expense | Annuities |
|---|---|---|---|---|---|
| Coverage Duration | 10-30 years | Lifetime | Lifetime | Lifetime | Lifetime income |
| Cash Value | No | Yes | Yes | No | Yes |
| Living Benefits | Included | Included | Included | Varies by policy | Income riders |
| Premium Flexibility | Fixed | Fixed | Flexible | Fixed | Lump sum/Flexible |
| Medical Exam | Usually required | Usually required | Usually required | Simplified/None | Usually not required |
| Best For | Budget-conscious, temporary needs | Long-term wealth building | Flexibility seekers | Seniors, funeral costs | Retirement income |
Enhance your policy with optional riders
Add coverage for all children in your household under one affordable rider.
Skip premium payments if you become disabled and unable to work.
Increase coverage in the future without medical underwriting.
Additional payout if death results from a covered accident.
Add life insurance coverage for your spouse at a discounted rate.
Get all premiums back if you outlive your term life policy.
Let our experienced advisors help you choose the perfect coverage