Term 10 and 20 Life Insurance
Term insurance is used to cover temporary needs such as debt and the dependency period of your children. When you are younger, your debts are usually higher and your children have many years before they become independent. Term insurance is the perfect solution as it is used to cover temporary needs and you are able to purchase a significant amount of coverage for a low cost. Read more…
Term 100
Permanent life insurance is initially more expensive than term insurance, but the premiums do not increase and the coverage does not expire. Read more…
Universal Life Insurance
Universal Life insurance is a permanent life insurance policy, where the premiums remain level and the policy does not expire. Universal Life has many options and a lot of flexibility allowing you to tailor a policy to suit your individual needs. Read more…
Participating Whole Life Insurance
Participating Whole Life insurance is a permanent life insurance policy, where the premiums remain level and the policy does not expire. The premiums to participating whole life policies are more expensive than the other alternatives since the insurance company uses very conservative projections on death claims, interest rates and administration charges. Every year they tabulate the actual expenses incurred and refund the difference in the form of a dividend. Read more…
Mortgage Insurance
Having your mortgage paid off in the event that you or your spouse dies, relieves a lot of the financial burden faced by the survivor. Banks make the process easy by allowing you to purchase coverage simply by signing a one page application. Read more…
Articles
Common Questions About Life Insurance
Universal Life – A Policy Worth Considering
Mortgage Insurance – Protect Your Home Not Your Lender
Differences Between Mortgage Insurance and Individual Coverage
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