Life & Health Insurance

There are many kinds of life insurance, but they usually fall into two main types: term and permanent.

Term life insurance covers you for a set period of time — for example, 10, 20, or 30 years — and pays a benefit only if you pass away during that term. It’s a good option if you want protection for a specific time, like until your kids finish college or your mortgage is paid off.

Permanent life insurance, on the other hand, is designed to last your entire life. As long as you keep paying your premiums, your coverage stays in place. It can also build cash value over time, which you may be able to borrow against or use later in life.

While life insurance helps protect your family’s financial future, health insurance helps protect you and your family right now. It covers things like doctor visits, hospital stays, prescription drugs, and preventive care. Without health insurance, even a simple medical emergency could lead to big out-of-pocket expenses.

Both life and health insurance work hand-in-hand to give you peace of mind — one protects your loved ones if something happens to you, and the other helps keep you healthy and financially secure along the way.

If you’re not sure what kind of coverage you need, talking with a licensed insurance professional can help you find the right plan for your goals and budget.