Life Insurance

Term Life Insurance

• Pure Insurance, no extra stuff added
• If you die, it pays. Cause of death is not a factor
• Death benefit is tax-free
• Least expensive in the initial years
• Premiums increase over time
• Best suited to a temporary need
• Can be converted to a permanent policy with no further underwriting.

• Can have an investment component attached
• If you die, it pays. Cause of death is not a factor.
• Death benefit is tax-free
• Growth of the investment is tax-free
• Potentially you can access the cash in the policy tax-free
• Best suited for a long-term insurance need, for estate planning, or for advance wealth building.