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Types of Coverage
Which best suits your needs?
Whole Life
💡 Why People Choose Whole Life Insurance:
- Lifelong Coverage - They want peace of mind that last.
- Cash Value Growth - They like the idea of building savings while being insured. Part of your premium goes into a savings component that grows over time—tax-deferred.
- Fixed Premiums- Your monthly or yearly payment stays the same for the life of the policy.
- Guaranteed Death Benefit - It’s great for final expense planning, legacy giving, or estate protection.
Term Life
💡 Why People Choose Term Life Insurance:
- Lower Cost - because it doesn’t build cash value or last forever, it’s typically much more affordable than whole life.
- Fixed Death Benefit- Pays out a guaranteed amount to your beneficiaries if you die during the term.
- Ideal for young families covering temporary needs like:
- Replacing lost income
- Paying off a mortgage
- Covering children’s education
- Offers high coverage amounts for low monthly premiums
Indexed Universal Life
💡 Why People Choose IUL Policies:
- Cash Value Growth Tied to a Market Index- have a cap (maximum return) and a floor (minimum return), you participate in market gains without risking negative returns
- Lifelong Coverage - They want permanent life insurance with the opportunity for cash accumulation.
- Retirement income, wealth transfer, and tax-advantaged savings- Your cash value grows tax-deferred
- Flexible Premiums - You can adjust how much you pay and when, as long as the policy remains funded.
Information on this site is for educational purposes only and does not constitute a binding offer. Product availability and eligibility vary by state, age, gender, and health status. Plans with immediate coverage require medical approval and are subject to standard contestability and suicide provisions. Guaranteed acceptance plans with no health questions include a waiting period before full benefits apply. Coverage may be provided by one or more of the following carriers: Guarantee Trust Life (GTL), American Amicable, Mutual of Omaha, CICA Life, Royal Neighbors of America, Gerber, Transamerica, and SBLI. By submitting your information, you agree to be contacted by a licensed agent, even if your number is on a federal, state, or internal Do Not Call list. This site is intended for U.S. residents only.