Life Insurance

Term Life Insurance

Term life insurance is only in force for a specified amount of time: usually 10, 15, 20 or 30 years. At the end of the term, your coverage expires and you will need to either convert your policy to a permanent life insurance plan (if available) or purchase a new policy for a new term. The advantage of term life insurance is that it's somewhat less expensive than permanent life insurance.

Whole Life Insurance

Whole life insurance is intended to be permanent life insurance. This is insurance that can stay in force for your entire life, as long as you pay your premiums in full. Whole life insurance usually, but not always, builds cash value for you that you can use for expenses later in life.

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