term Life Insurance

Term life provides you affordable, convenient coverage for a certain amount of time — the term during which you pay your premiums — and it is often convertible to a permanent policy. 

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With whole life insurance, you’re guaranteed a death benefit, and you’re able to build cash value over time. 

Your cash value grows tax deferred so it’s there when you need it. In addition, you have the opportunity to earn dividends2, which are not guaranteed. 

 Much like whole life, universal life insurance has the potential to build cash value with the additional benefit of flexible premiums. 

This means if you ever need to lower the cost of your premiums for a specific time period, you may be able to. 

 If you’re interested in controlling how your premiums are invested, then variable universal life insurance may be an option for you. 

Like universal life, variable universal life insurance has flexible premiums and the potential to build account value with the added bonus of investment options.