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Whole Life vs Term Life

Whole Life Insurance

  • Provides lifelong coverage
  • Includes a savings component (cash value), which grows over time (tax-deferred)

Appropriate for: Funding permanent expenses, like funeral costs, leaving a financial legacy, or supporting dependents after you pass

Term Life Insurance

  • Pays a death benefit if you die within a certain period of time (the “term”) – usually 10, 20, or 30 years
  • Always cheaper for the same amount of coverage

Appropriate for: Funding temporary expenses, like childchare, paying off a mortgage, supplementing retirement income, or paying for college

Schedule A Call

To learn more about any of these policies or to apply, please schedule a call.