Life Insurance
Life insurance is like a safety net for your family. You want to make sure your family would have enough money to live in the lifestyle that they do now if you passed away. You should purchase enough coverage to pay for your funeral, and other expenses surrounding your death as well as any outstanding debts that you owe (e.g. mortgage, car loans).

Joint Life Insurance Policy
A joint life insurance policy is a policy that covers two people. It usually provides payment when the first of the two people die, however, it can be structured to pay proceeds at the time of the second person's death.

Term Life Insurance Policy
A term life insurance policy insures you for a set amount of coverage over a fixed time period (e.g. you can purchase a 10-year term policy for $150,000). Your premiums for a term life policy stay the same for the entire term.

Permanent Life Insurance Policy
Also known as whole life insurance, a permanent life insurance policy provides a lifetime of insurance protection.

Universal Life Insurance Policy
A universal insurance policy provides a lifetime of insurance protection, cash values, level or flexible premiums, and level or flexible death benefits. It's more expensive than term insurance, because it offers lifetime coverage as well as savings and investment benefits.

Universal Life Insurance Policy
A universal insurance policy provides a lifetime of insurance protection, cash values, level or flexible premiums, and level or flexible death benefits. It's more expensive than term insurance, because it offers lifetime coverage as well as savings and investment benefits.

Whole Life Insurance Policy
Also known as permanent insurance, whole life insurance provides a lifetime of insurance protection. Because a whole life insurance policy covers you for such a long period of time, it's usually more expensive than a term insurance policy.

Disability Insurance
Disability insurance pays you a benefit to help meet day to day living expenses while you are disabled. With disability insurance, the benefit is for a period of time until the beneficiary is fit to return to work.

Critical Illness Insurance
Critical illness insurance pays you a one time, lump sum benefit if you are diagnosed with a critical illness or condition as defined in your policy and you satisfy the survival period. This differs from disability in that a person diagnosed with a critical illness is not expected to return to work.