Life insurance provides financial protection for your loved ones by paying a death benefit if you pass away. It helps cover expenses like debts, income loss, or future needs such as education or retirement.

Whole life insurance offers lifelong coverage with a cash value component that grows over time, while term life insurance provides coverage for a set period (e.g., 10, 20, or 30 years) with typically lower premiums.

IUL offers permanent coverage while allowing the policy’s cash value to grow based on market index performance.  It also provides flexibility to adjust premiums and coverage as your needs change.

Life insurance for children provides lifelong coverage, guarantees insurability, and can build cash value over time, which can help fund future needs like education or a home purchase.

Yes, with whole life and IUL policies, you can borrow against the accumulated cash value for emergencies, education, or other needs.

If you outlive the term, the coverage ends. However, many policies offer the option to convert to a permanent policy before the term expires.

It depends on your financial situation, debts, income replacement needs, and future goals.  Common guidelines is 3 -10 times your annual income.

Whole life and IUL policies can build cash value over time, offering both protection and a savings component that grows tax-deferred.

Yes, many policies are available for individuals with health conditions. Options like guaranteed issue life insurance ensure coverage, though premiums may vary.