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Life Insurance Information
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There are many types of life insurance, but generally they fall into two categories; term insurance and permanent insurance.
Term Insurance is designed to meet temporary needs. It provides protection for a specific period (the “term”) and generally pays a benefit only if the insured dies during the term. This type of coverage makes sense when you have a need for coverage that will disappear at a specific point in time. For example, a particular debt, such as a mortgage.
Permanent Insurance can provide lifelong protection. As long as you make the premium payment the full face amount will be paid at the death of the insured (with a few exceptions).
It is impossible to say which type of life insurance is right for you. It depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance is right for you and your family is to meet with a qualified and licensed professional