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Term life insurance is generally the most affordable type of life insurance. It is called "term" because it is valid for a specific term period you select - generally from 10-years up to 40-years. It is cheaper because it does not have a cash value component and it may expire without paying any benefits. We do offer term life insurance with optional features such as return of premium (you can get your paid premiums back if your policy expires) and term life insurance with living benefits - such as critical illness, chronic illness, and terminal illness protection. 

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Whole life insurance is a type of permanent life insurance, which means the insured is covered for the duration of their life as long as premiums are kept current. Whole life insurance is the most common type of permanent life insurance that people purchase. Whole life policies have a cash value that can be used in emergency situations or to take out policy loans to use as needed such as pay off debt. 

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Indexed universal life (IUL) insurance is a type of permanent life insurance, meaning it has a cash value component along with a death benefit. The money in a policyholder's cash value account can earn interest by tracking a stock market index selected by the insurer, such as the Nasdaq-100 or the Standard & Poor's 500.1 You may also have a fixed-rate account and can choose how much you want to go into each account.

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