Term Life Insurance - life insurance that pays a benefit on the death of the insured. The policy lasts for a specified term of 10, 15, 20, 30 years and the policy premiums stay the same for the term. Depending on the carrier, some policies can also allow you to use the death benefit for terminal illness, chronic illness, critical injury and illnesses. Some carriers will also give you a cash back/return of premium option, so that if you outlive the term, you will get all your premiums back.

Whole Life Insurance - has a death benefit, a separate investment component, and may have Long Term Care Rider and other riders depending on the carrier.

• Multiple carrier choices depending on your policy needs

• Age range - 18 - 80

• Terms - 10, 15, 20,30

• Face Amounts as low as $50K, up to an excess of $65MIL for high net worth individuals

• Return of Premium or Cash Back benefits depending on age of issue

• Some carriers Include Living Benefit Riders (Critical, Chronic, and Terminal Illness Riders**Check personal State)

• Additional Riders include: Accidental Death Rider, Waiver of Premium, Disability Income Rider, Children’s Rider