Discover Life Insurance Options

Explore the life insurance options below to find the right coverage for you and your loved ones.

Frequently Asked Questions

Why do I need life insurance?

Life insurance can help provide for dependents, cover debts, funeral costs, and even act as a financial legacy or charitable gift.

What are the main types of life insurance?

There are primarily two types: Term Life Insurance, which covers the insured for a specific period (e.g., 20 years), and Whole Life Insurance (or Permanent Life Insurance), which offers lifelong coverage and often includes an investment component.

How much life insurance do I need?

This varies based on individual needs. Consider factors like debts, income replacement, educational expenses for dependents, and final expenses.

What's the difference between the policy owner, the insured, and the beneficiary?

The policy owner pays the premiums and controls the policy. The insured is the person whose life is covered, and the beneficiary is the person or entity that will receive the death benefit.

Can I have more than one beneficiary?

Yes, policies often allow for multiple beneficiaries, and you can usually designate the percentage each beneficiary receives.

What factors determine my premium?

Premiums are influenced by age, gender, health status, occupation, lifestyle, the type and amount of coverage, and other factors.