Temporary is affordable, allowing the greatest amount of benefit for relatively low premiums. Some term policies now offer living benefits such as critical, chronic, and terminal illness.

Some temporary policies are convertible and proceeds are paid directly, without delay to the beneficiary.

This life insurance features lifelong protection as well as a guaranteed level of premium. It has a guaranteed floor on interest credited to the policy when market is experiencing losses to safeguard your money.

You can borrow against cash value, and proceeds are sent directly and without delay to beneficiary. Waiver of premium and accidental death are also options.

Traditional Whole Life Insurance is a permanent policy that is designed to be more flexible and can be adjusted just as the benefit can be increased or decreased. The insurance company guarantee a certain minimum interest rate during market downsides.

Great for those whose circumstances may change over time. The account value earns interest and is credited monthly. Includes accidental death, terminal illness and waiver of premium.

This lifelong protection plan is a lot like a traditional whole life except it offers indexed interest crediting which is a way of building cash value in which the interest rate is based on market performance over a period of time. The cash values are not directly invested. Indexed options come with guaranteed minimum floor to protect the insure investment.