// Building your financial foundation

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Life insurance is one of the best strategies for protecting those who depend on you, should you pass away too soon.   However, life insurance is also a very affordable strategy for laying a strong financial foundation, along with having many other important uses.

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Types of Life Insurance

Term Life is one of the simplest, most cost-effective types of life insurance.  Generally, it provides the largest immediate amount of protection for the lowest cost and pays a death benefit upon your death. Term Life covers you for a set period of time, provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness.

This type of life insurance policy provides a death benefit, and helps you save for the future by building a cash value. Several advantages of Permanent Life include borrowing against the policy or building a tax deferred investment income, in addition to paying a death benefit.  Whole Life, Variable Life and Universal Life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.

An annuity is an insurance investment product designed to pay you an income over a period of time. An annuity can help you grow your savings, inheritance, and retirement portfolio. In fact, they often provide you with retirement income that you cannot outlive.  Payments may begin immediately, or at some future date in exchange for a lump sum payment, or a series of payments, depending on your needs on how you structure the annuity.

Final expense insurance is designed to help protect your loved ones from the financial burden of funeral costs related to your passing. Final expense policies have a much lower face value because they are intended to only cover costs related to a person’s final expenses. Therefore, these policies can often be purchased at low or reasonable premiums.


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