protect the future
There a two basic varieties of life insurance: term and permanent. Term is great because the premiums can be low for a larger death benefit but you lose all of the money you paid for the policy once the term is over and buying a new term is more expensive. Permanent insurance is more expensive but the premium is the same for the life of the policy and the money you pay builds a cash value.
We work with a lot of life companies and even have policies for people that difficult medical situations, like diabetes or those that are terminal.