Term Life Insurance
Term insurance provides protection for a limited period of time such as 5, 10, or 30 years and pays a benefit it the insured dies during the period. Term life insurance policies do not accumulate cash value some do offer a feature that allows you to convert to a permanent policy.

Variable Life Insurance
Variable life insurance offers a choice of death benefit options and a potential to accumulate non-guaranteed tax deferred cash value that fluctuates based upon the performance of the underlying investment options that you choose.

Universal Life Insurance
Universal Life is a type of permanent life insurance based on a cash value. The policy is established with the insurer where premium payments above the cost of the insurance are credited to the cash value. Universal life is similar to Whole Life Insurance with two primary differences. The expenses and costs of insurance within a Universal Life contract are fully disclosed and there are more flexible exit strategies within a Universal Life contract.

Critical Illness Insurance
Critical Illness Insurance is a term policy that provides a lump sum cash payment based on a percentage of the face amount of the policy if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.