The more than 20 different companies I represent allow me to produce Term, Whole, or Index Universal Life Insurance policies.

Term Life Insurance provides the coverage for a short period of time like 15, 20 or 30 years. After that, there is no more insurance. These type of policies are typically only recommended for people under 40 years of age.

Whole Life Insurance provides the coverage until you are 121 years old, the premiums will never change, and they build cash value over a period of time that can be borrowed against.

Most Final Expense Life Insurance policies are WHOLE LIFE policies with an available face value of $5,000 to $40,000.

Index Universal Life provides both DEATH and LIVING benefits and are a great option for people in their 30s to 50s. The benefits provided include investment options, ability to borrow from the policy, death benefits and other riders that allow for greater protection!