Life Insurance Quote Forms
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Life Insurance Customer Service Options
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Life Insurance Information
There are two predominant classifications for life insurance: term insurance and permanent insurance.
Term insurance provides protection for a specific time period (the "term") and generally pays a benefit only if you die during that term. Since term life insurance is, by nature, a temporary policy, it often makes sense when you will only need coverage for a certain amount of time. For example, term life insurance policies can be purchased for the period until your children graduate from college, or until you pay off your mortgage.
Permanent insurance will last for life. Assuming you pay the premiums — and no loans, withdrawals or surrenders are taken — your beneficiaries will receive the full face amount when you die. Permanent life insurance is designed price-wise for you to be able to keep it over a long period of time, and it even accumulates cash value over time.
Your unique circumstances and financial situation will determine which type of life insurance is best for your needs. Consult with a qualified and trustworthy life insurance professional to determine the amount and type of insurance that makes the most sense for you.