Choose your own insurance plan
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from university or a particular debt is paid off, such as your mortgage. In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time. It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals. But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.
The simplest and most affordable form of insurance for providing temporary, short-term protection for loved ones.Get a Quote
No medical exam life insurance helps speed up the process by a few weeks because it skips the medical exam portion of the underwriting process.Get a Quote
Guaranteed acceptance for affordable coverage, regardless of your health or medical history.Get a Quote
Don’t leave your family with unexpected expenses when you die. Take care of burial or cremation costs, any debts or mortgages that will need to be paid off & any taxes you might oweGet a Quote
Coverage that offers you the opportunity for tax-advantaged investing and tax sheltered wealth transfer to family members and or charities.Get a Quote
Provides permanent, life-time protection for your family at a level premium. Flexible premium options gives you control over how long the premiums are payable.Get a Quote