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Life Insurance Information
There are many kinds of life insurance, but they generally fall into two main categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Permanent insurance, sometimes called whole-life, provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time. Some permanent life insurance policies can also provide living benefits and financial support for critical illnesses.
It's impossible to say which type of life insurance is best because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
A great way to figure out what life insurance policies may make sense for your particular situation is to meet with a qualified and licensed life insurance professional at Avenue Insurance. Contact us today to schedule an appointment.