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What is life insurance?

Life insurance is a protective contract between you (insured) and a life insurance company (insurer).  The contract provides a set amount of money (benefit) to the person of your choosing (beneficiary) in the event of your passing. 

The two main types of life insurance are term life and permanent (whole) life, the latter encompassing many subcategories such as traditional whole life, universal life, variable life and variable universal life.

Term Life Insurance

Term life insurance provides protection during a specific time period, or “term”.  Terms typically range from 10 to 30 years. 

Just like with a traditional term policy, this policy pays a benefit in the event of your passing.  However, in addition, these policies can advance a portion of the benefit to pay for care, treatment and lost wages in the event of a critical health condition, chronic illness or terminal illness.  

Whole Life Insurance

Questions about life insurance?

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Email : service@orrandassociates.com

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