Term Life Insurance – is a life insurance policy that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Guaranteed Life is a whole life insurance policy that enables you to get life insurance protection in your later years, so your family members won’t have to take on the responsibility of covering any costly final expenses when you’re gone. With the cost of a funeral averaging over $7,000, and Social Security providing a one-time death payment of only $255 (if you qualify), your family could be faced with a large funeral bill and other final expenses that may be difficult for them to pay. A Guaranteed Life policy can cover you for up to $25,000 to help make life easier for your family at a time when they may need it most.

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