Life Insurance Can protect Your Loved Ones

Term Life Insurance 

Term life insurance guarantees payment of a stated death benefit to the insured's beneficiaries if the insured person dies during a specified term. These policies have no value other than the guaranteed death benefit and feature no savings component as is found in a whole life insurance product.

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Whole life insurance is a permanent policy, which gives you guaranteed protection for your loved ones that lasts a lifetime. With whole life insurance, unlike term, you build guaranteed cash value

Cash Value

Money that grows in your policy that you can access while you're still alive.

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An indexed universal life insurance policy includes a death benefit, as well as a component that is tied to a stock market index. The cash value of the policy rises or falls, depending on the performance of that index. These policies offer higher potential returns than other forms of life insurance, as well as higher risks and additional fees. 

It is unlikely you will lose money in an IUL because insurance agencies set a guarantee to your principal to protect it against losses in the market.

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Return of premium life insurance is usually a type of term life insurance, meaning you lock in a rate for the level term period, such as 10, 20 or 30 years. When the level term

 period is over, you can generally renew the policy every year, but at higher rates. ROP life insurance allows you to get those monthly premiums back if you’re still living at the end of the policy period.

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