People Helping People in Time of Need

What Type of Life Insurance is Right for Me?

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What Type of Life Insurance is Right for Me?

Find a District Representative
Term Life Insurance Universal Life Insurance Whole Life Insurance
Intended Coverage Period Specified period such as 15 or 20 years Lifetime Lifetime
Payment Structure Fixed, level for selected term period Flexible Fixed, level
Death Benefit Fixed, guaranteed for select term Adjustable Fixed, guaranteed for life
Riders Available Yes Yes Yes
Cost (during intended coverage period) Lowest Typically moderate Typically highest
Typically Pays Dividends No No Yes
Cash Value No Yes Yes
Ideal For Meeting a temporary need Flexibility Predictable, lifetime coverage