Secure Your Family's Future
"I don't call it "Life Insurance," I call it "Love Insurance." We buy it because we want to leave a legacy for those we love."
It may be one of the most important purchases you'll ever make.
Life insurance helps secure your family's future. You have choices when it comes to helping protect your family.
Remember, you don't buy life insurance for yourself; you buy it for the loved ones you leave behind. It provides money for your family to use however they wish, and when it's needed most:
- Pay mortgage and other debts
- Pay final expenses
- Pay funeral expenses
- Replace household income
- Pay for education or weddings
- Provide a gift to grandchildren or others
- Fund a favorite charity or leave a legacy
Types of life insurance. There are basically two types of life insurance: term and whole life. What you buy depends on your current situation and your stage of life. If you have many expenses — such as a mortgage and children's expenses — you may want to look at term insurance. If you have fewer expenses — maybe your children are grown, and your mortgage is now paid — you may want to consider whole life protection.
Protection for a specific time period
Term life coverage is meant to be there when you have the most obligations. The premiums usually remain the same for the length of the term you select — usually 10, 15, or 20 years. The lower cost of term insurance can allow you to buy more coverage for temporary needs.
Protection for a lifetime
Whole life insurance is permanent coverage and will be there through all the stages of life — so your family can receive the protection they deserve. It builds cash value you can borrow against later if you wish. The premiums usually do not increase.
Protection for your child's future
Juvenile whole life insurance is permanent protection that can stay with your children through retirement.