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Term insurance will last for a specified term period which can be 10, 15, 20, and 30 years lengths. Price is locked during the entire term and term insurance is cheaper than permanent. Permanent insurance will last you a lifetime, it also comes with cash value savings that can be used by the insured as an additional bank account. Permanent is more expensive than term.

YES! Term and permanent insurance come with living benefits that can be added to your policy. For example, you can add an accidental death rider that will double your death benefit in the case of accidental death, another example would be accelerated death benefit in the case of a terminal illness, with that benefit you can use your insurance policy to pay for medical expenses in the case you get a terminal illness.

The death benefit also called a “face amount” is the money from your life insurance policy that your loved ones will inherit after you pass.

This is the process of determining your risk to the insurance company. Underwriters will look at your age, gender, health, and criminal history to determine if you will be accepted or not.