Life insurance doesn't have to be confusing.

What it is

Coverage for a set period (10, 15, 20, 30 years). If you pass away during the term, your beneficiaries get the death benefit. If the term expires, coverage ends unless renewed.

Who it's for

Young families, parents with kids at home, anyone who needs affordable coverage for a specific window: mortgage payoff, kids through college, income replacement during working years.

Why people choose it

Most affordable option. Simple to understand. Covers the years that matter most.

Good to know

No cash value. Coverage ends when the term expires.

What it is

Permanent life insurance where the cash value is tied to a market index (like the S&P 500) but with a floor that protects against losses. Flexible premiums.

Who it's for

People who want permanent coverage plus growth potential. Those interested in supplemental retirement income through policy loans.

Why people choose it

Upside potential with downside protection. Flexibility in premiums and death benefit. Tax-advantaged cash accumulation.

Good to know

More complex than term or whole. Caps on gains. Requires understanding of how indexing works, which is exactly what the consultation covers.

What it is

Life insurance with no medical exam but a short health questionnaire (usually 5-10 yes/no questions).

Who it's for

People who want faster approval than traditional underwriting but aren't in guaranteed issue territory. Those with minor health concerns.

Why people choose it

Faster process than fully underwritten policies. More affordable than guaranteed issue. No needles, no doctor visits.

Good to know

Some health conditions may still result in denial. Coverage amounts are moderate.