What is Life Insurance?

What is Life Insurance? What are Living Benefits?

Whether you're looking for the affordability of term insurance, the lifelong protection and cash value of permanent insurance, or a combination of both, we have options to fit your needs and budget. 
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Temporary life Insurance

These types of policies provide a stated benefit upon the death of the policy owner, provided that the death occurs within a specific time period. However, the policy does not provide any returns beyond the stated benefit, unlike permanent life insurance policies, which have a savings component that can be used for wealth accumulation.
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Permanent life Insurance

As the most basic form of cash-value life insurance, whole life insurance is a way to accumulate wealth as regular premiums pay insurance costs and contribute to equity growth in a savings account where dividends or interest is allowed to build-up tax-deferred. These policies pay a stated benefit upon the death of the policy owner as long as the policy premium is paid. Permanent policies also build cash value that can be borrowed against.
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