• The choices are overwhelming~

It’s true that there are many varieties of life insurance. But for most people, the easiest one to understand is term life insurance — and that’s pretty straightforward.

With term life, you determine the amount of coverage — say $250,000 or $500,000 — and the timespan for your protection, such as 10, 20 or 30 years. If you pay your monthly premiums and die within the term, your beneficiary gets the money.

However the best idea to take away from this is that while Term Insurance may be a great place to start, it can also be converted into Permante Life Insurance.  Whether you want to create a large death benefit for your family or just to start with a small death benefit and have it grow along with the Cash Value inside this policy is completely up to you. This way you'll never be without the protection we all need.  We would never think to not own Fire or Automobile Insuranace then place a call to an agent after the house burned down or car crashed into a tree so why would we not protect ourselves?