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About Life Insurance

Buying life insurance is an important decision, and you have options. Learn more about the different types of life insurance, and what is best for you and your family.

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Term Life Insurance

Term life insurance pays your beneficiaries a set amount of money in the event of your death. This protection is available for a set period of time, or term, which is typically 10, 20 or 30 years.

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Permanent Life Insurance

Permanent life insurance lasts your entire life and accumulates cash value for you. You can use the cash value account to pay policy premiums or as a source to borrow or withdraw funds any time.

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Survivorship Insurance

This type of insurance covers two lives and is most commonly used for estate planning. It is designed to pay a benefit upon the second death of two insureds. It is often less expensive than individual life. The policy is typically owned by a life insurance trust to keep the death proceeds out of the insureds taxable estate and provide immediate liquidity to help pay estate tax liabilities on the decedents estate.

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