The primary purpose of life insurance is to protect your dependents financially in the event of your death. Properly positioned, the benefit from a life insurance policy can provide a steady of income for your family or be used to provide liquid capital to help pay estate taxes and other obligations. The average life insurance policy death benefit is only $172,000, which translates to less than four years of personal income for the average American and is not sufficient for most households. Term Insurance is purchased for certain period of time, when it expires, you are no longer insured. Permanent life insurance is in force for the rest of your life, as long as the premiums are paid. In addition to providing a death benefit, permanent insurance builds cash value, so it generally costs more than term over the short term. Remember that the cost and availability depend on factors such as age, health and the type and amount of insurance purchased. We work with financially strong companies that will be there for you in the future.
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