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What Type Of Insurance Is Right For Me?
The right type of insurance depends usually on two factors:
  • Your personal and family needs.
  • Price - Price Comparison
Some needs might be of temporary nature.
  • Raising children
  • College planning for children
  • Life insurance until retirement
  • Mortgage insurance
  • Business planning (Buy-Sell or Key-Man)

Term Insurance will usually be sufficient to cover such temporary needs. You may buy term insurance for periods of 1, 5, 10, 15, 20, 25 or 30 years.

Permanent insurance would be a better fit, if:

  • You want to build cash value
  • You need insurance for 30 years and longer
  • You want to lock in the same premium for life
  • You want stability to plan for the future
  • You want to combine your life insurance with a savings plan

Universal Life and Whole Life will be the best choice to meet those needs and wants.

You should consider Term with ROP (Return Of Premium) if you want a cash value policy but do not want to pay the higher premium.
Term with ROP is commonly viewed as compromise between Term Life and Permanent Life* insurance.

* Term with ROP cannot be compared with Universal or Whole life insurance since no cash value is accumulated and the death benefit is only temporary. However, term with ROP will refund all premiums paid at the end of the term.



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