Term Insurance

There are two primary types of term insurance:

Level term insurance

Level term insurance guarantees payment of a fixed death benefit if the person covered by the policy dies within a fixed time period. There is no cash or intrinsic value to a term insurance policy – it’s purely for protection. Terms are annually renewable, and generally span five to thirty-year periods of time, up to a specific age of the person covered.

Decreasing term insurance

Decreasing term insurance policies have a death benefit that declines with each passing year. The policyholder pays a fixed premium for the duration of the policy. This type of policy is typically sold to complement a mortgage payoff.

Permanent Life Insurance

Whole life insurance

Whole life insurance provides permanent death benefit coverage and lasts for the entire lifetime of the insured. The death benefits are paid to the beneficiary upon the death of the insured. Whole life insurance policies have a guaranteed premium, fixed costs, and stable dividend crediting. The death benefit typically increases over time.

IUL (Indexed Universal Life Insurance)

Indexed universal life insurance is designed for more accumulation with greater flexibility. It includes more flexible premiums and is typically based on an annual renewable term platform. Earnings on a universal life insurance policy can be tied to a market index with a guaranteed minimum return.

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