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Term Life Basics

Term Life Insurance provides a cost-effective solution for your temporary life insurance needs and gives you the flexibility to change your policy should your temporary needs turn into permanent goals.

Term Life Insurance is right for you if you want:

  • An affordable way to get maximum coverage
  • To cover specific financial responsibilities like a mortgage or college expenses
  • To supplement your Permanent Life Insurance during periods when coverage needs are higher, such as family-growing, mortgage-paying years

Some things to consider about Term Life Insurance:

  • There is no cash value accumulation
  • Continuing your coverage after the initial level premium-paying term expires can be very expensive

Universal Life Insurance is a form of permanent life insurance. It can provide affordable guaranteed protection and flexibility.

A Universal Life insurance policy provides flexibility that allows you to change, within limits, the death benefit and the timing and amount of your premium. You can build your policy's cash value, or pay a lower premium and focus more on guaranteed protection.

Universal Life insurance can be right for you if you want:
  • Protection that can last a lifetime
  • The flexibility to choose between two policy designs:
    • Protection plus cash accumulation, or
    • Focus on affordable guaranteed protection
  • An option for a lifetime of guaranteed monthly income for your beneficiaries
Some things to consider about Universal Life Insurance:
  • Cash value growth is based on periodically-declared fixed interest rates. Should rates fall, cash accumulation could suffer, and higher premiums may be needed
  • Changing your policy's premium or death benefit can affect your policy's performance and guarantees, possibly requiring higher premiums later.

Whole Life Insurance is the simplest form of permanent life insurance. It features lifelong protection with guaranteed premiums, death benefit, and cash value.

Whole Life Insurance protects you for your entire life unless you cancel the policy.

Whole Life Insurance can be right for you if you want:
  • Fixed premiums that will not increase
  • A guaranteed death benefit payout
  • Cash value that is guaranteed to grow each year - tax-deferred
  • Dividends that can be used to increase the value of the policy
Some things to consider about Whole Life Insurance:
  • Premiums are initially more costly than Term Life, but are guaranteed not to increase
  • Dividends are not guaranteed
  • Loans and withdrawals can reduce the death benefit payout

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