TERM LIFE INSURANCE Given its affordability, term life insurance is the the most common type of policy. The premium on a term policy is low compared to other types of life insurance policies due to the fact that it carries no cash value. A term life insurance policy pays a specific lump sum to your designated beneficiary upon your death.

WHOLE LIFE INSURANCE Whole life insurance pays a death benefit to the beneficiary you name and offers you a cash value account and tax-deferred cash accumulation. The policy remains in force during your entire lifetime and provides permanent protection for your dependents while building a cash value account. The insurance company manages your policy's cash accounts.

UNIVERSAL LIFE INSURANCE Universal life insurance is a variation of Whole Life. The insurance part of the policy is separated from the investment portion of the policy. The investment portion is invested by the insurance company in bonds, mortgages and money market funds. This investment portion grows and is tax-deferred. The cost of the death benefit is paid for out of the investment fund.

VARIABLE LIFE INSURANCE Variable life insurance provides permanent protection to your beneficiary upon your death. The term "variable life" derives from the fact that you can allocate your dollars to various types of investment accounts (within your insurance company's portfolio), such as an equity fund, a money market fund, a bond fund, or some combination thereof.

VARIABLE UNIVERSAL LIFE INSURANCE Variable universal life insurance pays your beneficiary a death benefit. The amount of the benefit is dependent on the success of your investments. If the investments fail, there is a guaranteed minimum death benefit paid to your beneficiary upon your death.

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