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  • Robert Routt

What is the best life insurance for me?

Updated: Jan 30

Each type of life insurance is designed to meet different needs. Get more detail about what’s included in each option to understand which may be right for you and your family.

Term Life Insurance

Term life insurance details

  • Level premiums for 10, 15, 20, or 30 years

  • The option to continue coverage at the end of the level term period

  • A built-in conversion guarantee

  • A choice of riders or add-on benefits to customize coverage

  • Temporary coverage without a lengthy application process or medical exam (Simplified Issue only)

Whole life insurance details

  • Guaranteed income-tax free death benefit

  • Guaranteed level premium

  • Guaranteed cash value, which can grow tax-deferred

  • A choice of riders or add-on benefits to customize coverage

  • Permanent coverage without a lengthy application process or medical exam (Simplified Issue only)

  • Death benefit immediately higher than the single premium (for Single Premium Whole Life)

  • 100% return of premium guarantee (for Single Premium Whole Life)

  • Minimum guaranteed return

  • Immediate access to principal





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