Term life insurance covers the policyholder for a specific amount of time, which is known as the "term." The term's length varies according to the product and the term that the individual chooses. Terms typically range from 10 to 30 years and frequently increase in 5-year increments. Typically it’s the most affordable insurance, designed to protect your family, home or savings should anything happen to you.
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Index Universal Life Insurance
Safety and security are the most important features to look for in a life insurance policy. Non-guaranteed policy features have the potential to enhance policy values. There are risks and rewards associated with these non-guaranteed features. The challenge is to find the policy that has potential to deliver benefits you’re seeking with a risk level acceptable to you.
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Variable Universal Life Insurance
Variable Universal Life Insurance provides flexible premiums and death benefits, as well as the opportunity to build cash value in separate investment options. The cash surrender value is not guaranteed, but will fluctuate with the market value of the separate account investment portfolio. The policy owner bears the risk of poor fund performance.Universal Life Insurance
Universal life insurance offers policy owners the flexibility to choose both the amount of insurance and the premium to be paid with a range of potential premiums.
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