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    • Home
    • Welcome
      • About Us
      • Our Mission
      • TESTIMONIALS
      • News Letters
      • Blog
    • U65 & Ancillary
      • Ind/Fam Plans U65
      • Group Census Info
      • Quotes
      • Dental & Vision
      • Accident
      • Critical Illness
      • Disability
      • Final Expense
      • Pet Insurance
    • MEDICARE
      • Medicare
      • PARTS OF MEDICARE
      • Medicare Costs
      • Meet IRMAA
      • Enroll in MEDICARE
      • Medicare 101 Videos
      • Medicare Supplements
      • Medicare Advantage
      • Part D - Prescription
      • Wellness & Physical Exams
      • Quotes for Medicare
      • Medicare DOESN'T Cover
      • Extra HELP
      • Penalties/Appeals
      • Social Security
      • Medicaid
      • Home Health Care
      • Help / Gov Sites
      • Senior Websites
      • WellBe Health Asst
      • LINKS
      • AARP Membership
      • Away from USA
      • Medicare Mentor Program
    • National General Life
      • RETIREMENT
      • NLG
      • Life Insurance
      • Life Insurance_2
      • Gift of Life
      • IRA's
      • Annuities
      • Financial Calculators
    • ValuTeachers
      • Find Out More
      • Career with ValuTeachers
      • Ready and sign up
  • Home
  • Welcome
    • About Us
    • Our Mission
    • TESTIMONIALS
    • News Letters
    • Blog
  • U65 & Ancillary
    • Ind/Fam Plans U65
    • Group Census Info
    • Quotes
    • Dental & Vision
    • Accident
    • Critical Illness
    • Disability
    • Final Expense
    • Pet Insurance
  • MEDICARE
    • Medicare
    • PARTS OF MEDICARE
    • Medicare Costs
    • Meet IRMAA
    • Enroll in MEDICARE
    • Medicare 101 Videos
    • Medicare Supplements
    • Medicare Advantage
    • Part D - Prescription
    • Wellness & Physical Exams
    • Quotes for Medicare
    • Medicare DOESN'T Cover
    • Extra HELP
    • Penalties/Appeals
    • Social Security
    • Medicaid
    • Home Health Care
    • Help / Gov Sites
    • Senior Websites
    • WellBe Health Asst
    • LINKS
    • AARP Membership
    • Away from USA
    • Medicare Mentor Program
  • National General Life
    • RETIREMENT
    • NLG
    • Life Insurance
    • Life Insurance_2
    • Gift of Life
    • IRA's
    • Annuities
    • Financial Calculators
  • ValuTeachers
    • Find Out More
    • Career with ValuTeachers
    • Ready and sign up

Life Insurance

TERM LIFE

 Low initial premiums make term insurance a practical alternative to permanent coverage, however, term premiums will eventually increase. If carried on, the annual premiums are likely to exceed the level premiums that could have been had with a permanent policy, without the benefit of building cash values 

TERM vs. PERM LIFE INSURANCE

Term is for a set number of years.  Perm is no set number of years and you can build cash value which helps building benefits for living

WHOLE LIFE

As long as the policy owner continues to pay the premiums, there will be guaranteed death benefit, level premiums and cash value accumulation. These policies are designed and priced for an individual to keep over a long period of time.

UNIVERSAL LIFE (UL)

Considered to be the most flexible type of life insurance. UL provides both premium flexibility and death benefit flexibility. Universal life insurance also offers the ability to accumulate cash value under the policy on a tax-deferred basis 

INDEXED UNIVERSAL LIFE (IUL)

  Works the same way that Universal Life does, but offers the option of having cash value accumulate at interest based on the changes of a major market index.

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