Term life insurance provides protection for a limited period of time and pays benefitse only if you die during the specified term. Term life is easy and affordable. You simply have to choose how much insurance you need (face amount), what type of premium you would like to pay (level or increase), and how long you need it for (term), then buy a policy that matches your needs. Payout is made if the policy holder dies during the specified term.

Whole life is a type of permanent life insurance. Its advantages include guaranteed death benefits, guaranteed cash values, fixed and guaranteed premiums. Whole life insurance is the best solution for consumers looking for insurance with a tax-deferred investment without the need to manage it. If you are looking for life insurance built on a foundation of stable investment returns from year-to-year, whole life insurance may be the right product for you.

Universal life is an all-in-one product that combines life insurance with a tax-deferred investment account. Its advantages include greater premium flexibility, potential for higher internal rate of return, cash value is considered more attainable since the owner can discontinue premiums if the cash value allows it, and there is more flexibility for the death benefit payout.

Premiums for limited-pay life insurance policies are paid over a specified period after which, no additional premiums are due to keep the policy in force. Common limited-pay periods are 10-year, 20-year, and paid-up at age 65.

Critical illness insurance provides tax-free money if you're diagnosed with and survive a critical illness (e.g. cancer, heart attack, stroke, blindness, Multiple Sclerosis, Parkinson's etc.). You are able to use this money for any purpose.

Disability insurance can provide you with financial security by replacing a portion of your earnings when an accident or illness causes you to become disabled and unable to work or earn an income. Disability strikes far more often than premature death. This type of insurance voers both temporary and long-term disability.

With long-term care, you can take control over the quality of your care and eliminate many out-of-pocket expenses. It also provides comprehensive coverage for nursing home care, should you need it. It provides a daily benefit when your doctor states that you are unable to perform at least two out of six daily living activities or if you have become cognitively impaired (by Alzheimer's, for example).

Mortgage Life Insurance provides you with peace of mind by helping to protect your family's home for the life of your mortgage. In the event of the owner's death, your outstanding mortgage would be reduced or paid off without burdening your family.