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What does life insurance cover?
Life Insurance provides money to your loved ones in the event that you die prematurely. This money can be used for:
- Funeral Costs
- Loss of Income
- Grieving Time
- Retirement Planning
- Costs of Living
- Paying off Debts
There are several different types of policies to provide for different needs. It is important to talk to an experienced insurance professional before deciding on a policy.
A low-cost policy that lasts for a specified period of time, known as the term. Policy periods typically range from 10-30 years.
A flexible policy that can be structured to last a specified timeframe or until death. It can also include a cash-value component.
A policy that typically pays out at death or age 100, whichever comes first. Whole life also includes a cash-value component that earns interest.
Instant Issue Term Life
A term life policy that can be issued with no medical exams by answering just a few questions.
Return of Premium Term Life
A term life policy that returns the sum of premiums paid to the policy owner at expiration.