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Life insurance is a type of insurance policy that pays out a lump sum of money to your designated beneficiaries upon your death. This money can be used to help your loved ones cover the costs of funeral expenses, outstanding debts, mortgage payments, and other expenses that may arise after you pass away.
When you purchase a life insurance policy, you pay a monthly or annual premium to the insurance company. In return, the insurance company promises to pay out a lump sum of money to your designated beneficiaries upon your death.
There are two main types of life insurance: term life insurance and permanent life insurance. Term life insurance provides coverage for a specified period of time, such as 10, 20, or 30 years. Permanent life insurance, on the other hand, provides coverage for the rest of your life and also includes an investment component.
Affordable coverage to meet your temporary needs. You’ll receive a guaranteed death benefit for the term you choose, and your payments are guaranteed to remain level for the length of the term.
Gives you level premiums, strong guarantees, and valuable protection. It can also build cash value, which you can access through loans. Inheritance survivors will be provided money from the policy.
With a Single Premium Deferred Annuity (SPDA) or Fixed Indexed Annuity (FIA), you make just one lump-sum premium payment in exchange for a guaranteed stream of income for your retirement years.