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Life insurance replaces income and pays bills when someone is gone, so the people who depend on you are not left with debts or hard choices. The right policy depends on how long you need coverage, your budget and whether you want the policy to build cash value.
Your options
Coverage for a set number of years (often 10, 20 or 30). Usually the lowest cost per dollar of coverage. If the term ends and you are still living, coverage stops unless you renew or convert it.
Often a fit for: Covering a mortgage, young children or working years at the lowest cost.
Permanent coverage with level premiums and a cash value that grows at a rate set by the policy. Costs more than term for the same death benefit.
Often a fit for: Lifelong coverage, final expenses and leaving a legacy.
Permanent coverage with more flexible premiums. An IUL credits interest based partly on a market index, with a floor and a cap set by the carrier; it is not invested in the market directly. Policy charges, caps and how you fund it all affect results, and underfunded policies can lapse.
Often a fit for: People who want permanent coverage and flexibility, and are prepared to review the policy regularly.
Riders on many policies that may let you access part of the death benefit early if you are diagnosed with a qualifying chronic, critical or terminal illness. Terms, triggers and costs vary by carrier and state.
Often a fit for: Anyone who wants a policy that can help during a serious illness, not only after death.
A free, no-pressure conversation with a licensed agent. We compare options from multiple carriers and explain them in plain English, at no fee to you.
