"Term" or Temporary

5 Year Level or Decreasing Death Benefit

10 Year Level or Decreasing Death Benefit

15 Year Level or Decreasing Death Benefit

20 Year Level or Decreasing Death Benefit

30 Year Level or Decreasing Death Benefit

These Policies are normally used for a Specific Period of
Time and a Specific Reason

Premiums Typically Increase over Time Becoming
unaffordable in Later Years

"Whole Life" or Permanent

Premiums are Fixed and Normally Guaranteed not to Change

Death Benefit Normally Guaranteed to Age 100

Death Benefit Can Be Level or Increasing

Policy is Normally Designed to Last to Age 100

"Universal" or Flexible Permanent 

Much Like "Whole Life" Except the Policy has Some Flexibility

You Control the Premium which affects the Cash Accumulation"

You can Raise or Lower the Face Amount of the Death Benefit

The Policy Can Have a Level or Increasing Death Benefit

The Policy Can Have a "Term" Rider for a Specified Period of Time

Policy is Normally Designed to Last to Age 100

What Type of Life Insurance do I Need?

These are only a few Examples of the types of Life Insurances

The Statements Above are not True for All Companies

Every Individuals or Families "Needs" are Different

"Needs" Change and Should be reviewed periodically

Life Insurance Is Not An Investment Or Savings Program

Life Insurance Protects Your Survivors "Life Style"

Remember: The Younger you are the Lower the Premium

You Must Meet Underwriting Requirements

Review Your Life Insurances "TODAY"!

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