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how you can create a safe, predictable, and affordable foundation to protect your

families financial well-being and enhance every investment decision you make

the reason behind choosing a life insurance may be different for different people

but the need for 

Life Insurance

remains constant

STEP 1: finding the right (term, whole life) policy 

STEP 2: determining the optimal benefit amount

STEP 3: optimizing your investment opportunities 


life insurance makes you smarter as an investor. It makes your investments more profitable,

and gives you a benchmark to beat

how prepared

is your

family if 

'god forbid' should happen?


What Is Term Life Insurance? 

Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the term life insurance policy to terminate.



  • Term life insurance guarantees payment of a stated death benefit to the insured's beneficiaries if the insured person dies during a specified term.

  • These policies have no value other than the guaranteed death benefit and feature no savings component as found in a whole life insurance product.1 

  • Term life premiums are based on a person’s age, health, and life expectancy.

  • Depending on the insurance company, it may be possible to turn term life into whole life insurance.

  • You can often purchase term life policies that last 10, 15, or 20 years.

What Is Whole Life Insurance? 

Whole life insurance, also known as traditional life insurance, provides permanent death benefit coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. Interest accrues at a fixed rate and on a tax-deferred basis.

Whole life insurance policies are one type of permanent life insurance. Universal life, indexed universal life, and variable universal life are others. Whole life insurance is the original life insurance policy, but whole life does not equal permanent life insurance as there are many types of permanent life.


  • Whole life insurance lasts for an insured's lifetime, as opposed to term life insurance, which is for a specific amount of years.

  • Whole life insurance is paid out to a beneficiary or beneficiaries upon the insured's death, provided the policy was in force.

  • Whole life insurance has a cash savings component, which the policy owner can draw or borrow from.

  • The cash value of a whole life policy typically earns a fixed rate of interest.

  • Outstanding loan principal and interest reduce death benefits.

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a cost-free, knowledgable and friendly agent is available to explain your policy benefits, answer your questions, concerns and submit your  application

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