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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.
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.
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.
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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Disclaimer
According to Medicare rules, we need your permission to contact you to discuss your Medicare plan options. By submitting a contact form on our website form, you are agreeing to a sales telephone call or an email from a licensed sales agent to discuss the specific types of products above. The person who will be discussing plan options with you is with or contracted by a Medicare health plan or prescription drug plan that is not the Federal Government, and they may be compensated based on your enrollment in a plan. Signing this does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage Plan, Prescription Drug Plan, or other Medicare plan. If you ask for their email address, use this: By providing my e-mail address or telephone number, I agree to allow a licensed sales representative to contact me regarding information related to Medicare health plans and health insurance plans, products, services and/or educational information related to health care.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or (1-800-MEDICARE) to get information on all your options