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What are the Types of Life Insurance?
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Term life is the simplest and least expensive type of policy. It's pure insurance with no cash value account. A term life policy has only one function: to pay a specific lump sum to whoever you've designated, upon a specific event - - your death. The death benefit and the policy limit are the same - - a $200,000 policy pays a $200,000 death benefit. The policy protects your family by providing money they can invest to replace your salary, as well as to cover final expenses incurred by your death.

Other types of life insurance provide both a death benefit and a cash value account. Their premiums are larger than term life premiums, because they fund the savings account in addition to buying insurance. These policies are often referred to as cash value policies. They include:

Whole Life
Variable Life
Universal Life
Universal Variable Life

Protect Your Family With Life Insurance


Life Insurance Articles
Life Insurance Explained
A simple explanation of life insurance and why it is a good idea in planning for the future.
Life insurance is insurance that will protect your family and/or specified dependents in the event of the policy holders death. In general, it is an essential component in planning for the future...“
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How Much Do You Need?
Things to consider when deciding how much life insurance you need. "A good rule of thumb is to aim for a policy that will cover 2-6 times your annual income. If your yearly income is..."
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Do You Need Life Insurance?
Questions to ask yourself in determining if you need a life insurance policy.
”It depends on your situation. Several key questions follow below to help give you an idea of signals pointing to ”yes“...“
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Whole Life Insurance
No nonsense explanantion of whole life insurance.
Whole life insurance provides permanent protection for your dependents while building a cash value account. With this type of insurance, the insurance company manages the policies various accounts...“
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What Life Insurance is Best?
Comparison of term and permanent life insurance policies.
”There are two basic types of life insurance: term and permanent. Term insurance is purely life insurance while permanent (aka "cash value" or "whole life") policies include a savings element...“
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Variable Life Insurance
Explanation of what a variable life insurance plan does and does not offer.
Variable life insurance provides permanent protection for you and is the type of life insurance with account flexibility for the more risk-oriented policy holder...“
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Types of Life Insurance
Learn about the different types of life insurance plans and their benefits and drawbacks, including, whole, term, universal, variable and variable universal.
Term life is the simplest and least expensive type of policy. It's pure insurance with no cash value account. A term life policy has only one function...“
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Universal Life Insurance
Learn about why a universal life insurance is a more flexible policy. "Universal life insurance provides permanent protection for your dependents and is more flexible than whole or variable life..."
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Universal Variable Life Insurance
Learn about how to control the cash value amounts in a life insurance policy.
Universal Variable life is the type of insurance which gives you more control of cash value account policy features than any other insurance type...“
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