This product offers low cost life insurance protection for a specific period at a fixed cost. Usually purchased at younger ages for ten, fifteen or twenty years.
This is a “permanent” form of coverage that usually has a cash value component. Many people buy this product because of its guaranteed cash value and to reduce or legally avoid taxes upon withdraw.
Are you in business with a partner? If so, this coverage is necessary to offset any contractual obligations upon your death or the death of your partner(s).
This product protects you by paying a large portion of lost income if you become permanently disabled due to disease or accident.
This coverage provides protection packages to employers for their employees.
Coverage for accident or illness. These products are normally purchased by self-employed individuals or those that are taking advantage of Medicare.