Term insurance is pure life insurance. Typically, you are covered from 10-30 years. Premiums are usually inexpensive and based on your age, health, and nicotine use. You don't get your premiums back because you were insured during that time.

Whole Life is life insurance plus a savings account. The length of coverage is typically to age 100 or 120. Premiums are more expensive than term insurance because you are guaranteed a return of your premiums either in a death benefit or savings.

Return of Premium is term insurance, but if you don't pass during that length of time, you get all of your premiums back.

Everyone! If your family depends on your income, if you have student loans with a cosigner, if you want to protect your children or grandchildren against future uncertainties or costs such as tuition, homeownership, weddings, or funeral expenses, let our experts navigate you through the options for a life insurance policy.

The COVID19 pandemic has shown us that jobs are not forever. When you leave your job, you can’t take your insurance with you. You should always own your own policy and use what an employer provides as bonus coverage.