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When deciding which type and amount of life insurance is right for you, you’ll need to answer these important questions:

  • What do you want the insurance to cover?
  • What amount of coverage do you need?
  • How long will you need the coverage for?
  • Understanding the Different Types of Life Policies

The two main types are:

Permanent, which provides coverage for the rest of your life and Term, which provides temporary coverage.

Combining Term and Permanent Life Insurance

How will your life insurance needs change over the course of your life? Do you need a great deal of coverage right now but anticipate needing less after you retire?

Combining term and permanent insurance can help you address these changes while staying within your budget.

You can, for example, use a permanent policy to provide the level of protection you want for your entire life and then add a term policy to cover those years when you need additional insurance, such as when you have a mortgage or young children