Life insurance plays a critical role in protecting your family’s well being.  That’s why it is important to review and possibly update your policy with a professional every three years.

The right policy is always a sound investment. It can provide:
• Replacement income for dependents
• Cover burial and funeral costs
• Create an inheritance for your heirs
• Make charitable contributions
• Create a source of savings

Not all life insurance is the same. There are, in fact, two major types of life insurance—term and whole life. Whole life is often called permanent life insurance. It contains several subcategories, including traditional whole life, universal life, variable life and variable universal life.

Term
Term Insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years. Most term policies have no other benefit provisions.