FAQs

No. It is a return of the premiums you paid, not an investment gain.

If you outlive the level term and keep the policy in force, the insurer refunds the premiums you paid, subject to the policy terms. It does not include interest. ...

No. Term is pure protection. If cash value matters to you, look at whole, universal, or indexed universal life.

Match it to the years your family depends on you, such as the length of a mortgage or the years until kids finish school.

Often yes, through a conversion feature, subject to the policy terms. We can explain how it works for your policy.

Yes. We can help with key person coverage and buy-sell funding as part of a broader plan.

Coverage typically ends. You may be able to renew at a higher premium or convert to permanent coverage, depending on the policy.

Yes. Children’s and juvenile coverage can help lock in insurability early. Ask us how it typically works.

There are three recognized methods, and it helps to know which one a number came from. The DIME method is the most commonly used because it is easy to ...

Term often fits temporary needs like a mortgage or raising kids. Permanent may fit lifelong needs and cash value goals. See our life insurance types compared page for a ...