Life Terms

Permanent Life Insurance: Life insurance that provides lifetime protection and builds cash value over time. The cash can be used to fund a major purchase or send your  kids to college. Also allow for loans in the event of an emergency. Examples of permanent policies are variable, whole and universal life.

Term Life Insurance: Provides a death benefit for a specific period of time with no cash value. Premiums for term are lower than for cash value policies. An inexpensive way to provide financial security for your loved ones after you are gone..