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               Term Life                                          Permanent Life

Term policies provide protection for a specific period of time. These are typically used to cover the excess amount over permanent insurance during your high debt period i.e. ages 25 to 50. 

Permanent insurance provides protection for your entire life, regardless of future health changes.

Let’s start by asking a question; what can life insurance do for me and my family?

• First and foremost life insurance provides protection for an untimely death. However, Life insurance doesn’t stop there.

Some policies offer living benefits:

• Cash for a deposit on a first home

• Tax free funds to pay for college expenses

• Tax free money to supplement Social Security, a pension plan and or 401k, 403b, etc. 

• If you are under 40 you may not receive Social Security, the right life policy can replace that benefit with tax free income

• Long Term Care Expenses

• Estate planning with a tax free benefit

• Purchase a vacation home after retirement

Types of life insurance policies:

The two basic types of life insurance are term and permanent life. To get a better understanding of the two please click on each video link above.

Learn more about the importance of Life Insurance.

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