Term life insurance is a less expensive option that provides coverage for a set period of time that can be converted to other forms of coverage later. We reccomend this if you have limited funds or are looking to satisfy temporary needs.
Also called Permanent Insurance, this form of coverage is an investment that is best for when starting out and thinking about long term needs like spousal income, inheritance and end of life expenses.
Universal Life Insurance can be thought of as a good compromise between whole and term coverage, and provides flexibility at lower costs. Premiums increase based on current market interest rate.
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