Coverage
Four ways to protect
what you have built.
Most people arrive knowing they need life insurance and not much more than that. Here is what each type actually does, in plain terms, so you can narrow it down before you speak to anyone.
Side by side
The short version
Four products, four jobs. Nothing here is a recommendation — which one fits depends on your age, your health, and who depends on you.
| Cover | What it is for | Lasts | Builds cash value |
|---|---|---|---|
| Term Life | Income and mortgage protection | A set term | No |
| Indexed Universal Life | Protection plus tax-advantaged growth | Lifetime | Yes |
| Whole Life | Guaranteed lifetime cover | Lifetime | Yes |
| Final Expense | Funeral and burial costs | Lifetime | Limited |
Cash value accumulation, guarantees and availability are governed by the policy contract and vary by carrier and state.
In detail
Read up on each one
Every product has its own page covering what it does, who it fits, and the trade-offs worth knowing before you apply.
Common questions
Before you choose
- Temporary or permanent?
- Term Life covers a fixed number of years and then ends. The other three are designed to last your whole life, provided the policy stays in force.
- Does it build cash value?
- Whole Life and Indexed Universal Life can accumulate value you may borrow against. Term Life and Final Expense do not — they exist purely to pay a benefit.
- How much cover do I need?
- A common starting point is enough to clear the mortgage, replace several years of income, and cover education. The right number depends on your debts and dependants, which is what the consultation works out.
- What will it cost?
- Premiums depend on age, health, cover amount and carrier. Anyone quoting a price before underwriting is guessing — Franca brings back real figures from the carriers she is appointed with.
Let’s build a brighter future together.
A 30-minute conversation costs you nothing and tells you exactly where you stand.