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How much life insurance do you need? What type of life insurance is right for you? 

Mortgage Protection

Mortgage protection insurance is right for you if you want to: Protect your most valuable asset. Ensure your loved ones never have to deal with the fear of losing their home. Provide financial security if the unthinkable happens.

Term Life

Term life insurance is considered the most affordable type of life insurance. Coverage is set for a fixed period of time that you choose, anywhere from 10 to 30 years, depending on your age and health.

Universal Life

Universal life insurance is a type of permanent life insurance that offers flexibility in premiums and death benefits, along with a cash value component that can grow and be accessed. 

Whole Life

Whole life insurance is a type of permanent life insurance that provides coverage for your entire life.

Final Expense

Final expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance that helps pay for end-of-life costs.

Accidental Death

Accidental Death and Dismemberment (AD&D) insurance pays out a benefit if you or a loved one die or are seriously injured in an accident. 

Disability

Disability life insurance, also known as disability income insurance, is a type of insurance that replaces a portion of your income if you become unable to work due to illness or injury, providing financial support during your recovery or while you are unable to work. 

Critical Illness

Indexed universal life (IUL) insurance is a type of permanent life insurance, which means it can last your entire life and builds cash value. 

Medicare Supplement

A Medicare Supplement plan is private health insurance you can buy to help cover out-of-pocket costs that Original Medicare (Part A and B) doesn't cover, such as copayments, coinsurance, and deductibles. 

Long Term Care

Long-term care insurance is designed to help individuals pay for the costs of long-term care services, which are not typically covered by standard health insurance or Medicare. 

Indexed Universal Life

Indexed Universal Life (IUL) insurance is a type of permanent life insurance that allows cash value growth tied to a stock market index (like the S&P 500), offering potential for higher returns than traditional universal life, but with caps and floors on gains and losses. 

© 2025 by Jennifer Paulston
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