Life Insurance Quote

Individual Insurance Services

What is Term Life Insurance?

Term life insurance provides protection for a specific time period. Because term insurance is relatively inexpensive, there by being a good choice if you can't afford the permanent life insurance protection you wish to have. Term insurance provides the protection you need now, at a cost you can afford. Because most term life insurance policies have a convertibility option which allows the insured to convert their temporary coverage to permanent plan without proving insurability, this type of insurance provides protection for today and flexibility for tomorrow.

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What is Permanent Life Insurance?

Permanent life insurance provides death benefit protection for life. As long as you pay the premiums, the death benefit will be paid (withdrawls or loans may reduce or adversely effect the death benefit. Permanent life insurance may have fixed premiums, generally accumulates cash value on a tax-deferred basis and depending on the policy type may have the potential of paying policy dividends. Although more expensive initially than term life insurance, permanent life insurance may, over time, become the least expensive form of life insurance.

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