Term life insurance gives you protection for a predetermined period. For example, a 20-year term life policy locks in your premiums and coverage amounts for the entire 20-year term of the policy. After that, unless you cancel, the policy renews annually with new rates.

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Permanent life insurance gives you coverage for your whole life, not just a period of time. It differs from the term life insurance because it typically accumulates cash value, and premiums usually don’t increase as your health and age change.

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Disability coverage replaces some of your income if you can’t work because of an injury or illness. This monetary benefit will continue until the benefit period ends or you return to work. It can help you and your family pay for necessary expenses like your mortgage, car payments, utilities, groceries, etc.

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Critical Illness coverage offers financial compensation for cancer, stroke, heart attack or other debilitating illnesses. Such illnesses can sometimes require recovery costs and even force a leave of absence from work. Therefore, when establishing your policy, you can choose the coverage that meets your specific needs, as recovery costs can vary.

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Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance.

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