Life Insurance for Individuals

Term Life Insurance or Permanent Life Insurance?

It depends on your needs and your immediate budget.

Permanent insurance provides coverage that never runs out as long as you continue to make the payments. It comes in the form of whole life insurance or universal life insurance. It can have a savings component if you desire, and it can provide a stable payment, as required to fund some trusts. Minimum earned interest rates can be guaranteed for safety. More expensive than term insurance, it provides permanent, long term protection where needed.

Term insurance can provide inexpensive coverage for 5, 10, 20 or even 30 years, after which it terminates. Perfect if you need to add extra protection while you have a family, a mortgage, a business, or are experiencing a cash crunch, you can tailor it to your budget and needs.

Call us for a fast quote on term or permanent life insurance.