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What is Life Insurance
Life insurance is a contract with an insurance company. You are protected through the lifetime of the contract in exchange for monthly or annual payments. If you were to die while your policy was active, your chosen beneficiary (more on beneficiaries later) would receive a sum of cash. Your beneficiary might use this money, called a death benefit, to pay final expenses, pay the rest of your mortgage or cover any expenses for your loved ones. In most cases, the death benefit is tax-free.
TERM INSURANCE
Term life insurance is an affordable policy that can protect your loved ones should something happen to you. Available 100% online through an agent, term life insurance gives you the option to select your own term length and coverage amount, depending on your unique financial needs.
MORTGAGE PROTECTION
Mortgage protection insurance is an affordable type of term life insurance that is designed specifically for homeowners. These policies are available 100% online with a licensed agent and offer flexibility as you choose your term length and coverage amount — often what matches your mortgage — all at a low cost.
PERMANENT LIFE
Permanent life insurance is the “umbrella” term for different types of life insurance with guaranteed, lifelong coverage. The greatest advantage of permanent life insurance is that you can insure your life while also accessing living benefits — like building cash savings that can be used to pay off debts, grow retirement funds or pay for a child’s education.
FINAL EXPENSE
Final expense insurance covers your end-of-life expenses. The death benefit provides a lump sum that’s designed to cover costs related to your passing, including medical expenses, a memorial, or funeral service. With final expense insurance, your loved ones would be given the chance to grieve rather than worry about funeral expenses.