Term life insurance covers you for a set number of years, such as ten, twenty, or thirty. If you pass away during that term, it pays a benefit to the people you name. Term is straightforward and usually the most affordable way to buy a large amount of protection, which makes it popular for covering a mortgage, replacing income while children are young, or protecting a business loan.

Permanent life insurance, which includes whole life and universal life, is designed to last your entire life as long as it is funded. It costs more than term because it also builds cash value over time that you can borrow against or use later. Whole life offers guarantees and steady growth, while universal life adds premium flexibility so the coverage can adjust as your needs change.

Many people use a mix. Term handles large, temporary needs affordably, while a smaller permanent policy covers lifelong goals such as final expenses or leaving a legacy. We help you match the type and amount to your actual obligations so you are neither underinsured nor paying for more than you need.