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Term Life Insurance is the simplest and most affordable type of life insurance. It provides temporary protection for a predetermined term, usually 10 to 35 years and in some cases up to age 100. An option to exchange to a permanent policy is also available. Your coverage never decreases and the premiums are guaranteed for the length of the term.
Whole Life Insurance
Whole Life Insurance is a form of permanent insurance that provides coverage for a lifetime, rather than a specified term. Depending on your plan the cost of the coverage is spread out over the lifetime of the policy. Unlike Term Life Insurance, some of the money you pay in premiums accumulates as Guaranteed or Non-Guaranteed cash value.