Types of Life Insurance

1. Term Life Insurance

• Provides coverage for a specific period (e.g., 10, 20, or 30 years).

• Pays a death benefit if you pass away during the term.

• Affordable and ideal for protecting your family or paying off debts.

2. Whole Life Insurance

• Provides coverage for your entire life.

• Includes a cash value that grows over time.

• Higher premiums than term insurance, but offers long-term security.

3. Universal Life Insurance

• Flexible life insurance that combines lifetime coverage with investment options.

• You can adjust your premiums and death benefit over time.

• Ideal for people who want both protection and a way to grow cash value.

4. Critical Illness & Accidental Death Riders (optional add-ons)

• Can be added to your life insurance to cover serious illnesses or accidents.

• Provides extra financial protection when you need it most.

💬 Real Stories — Why Life Insurance Matters

1. Protecting a Family’s Future
When Michael, a 38-year-old father of two, passed away unexpectedly, his life insurance policy provided his family with the financial security they needed. His wife was able to pay off their mortgage, cover daily expenses, and continue saving for their children’s education — exactly what Michael wanted for them.

2. Peace of Mind for Business Owners

Sarah, a small business owner, used life insurance as part of her business plan. When she passed away, the policy helped her partner buy out her share and keep the company running smoothly. Her employees kept their jobs, and her family received financial stability. 

3. Coverage That Made a Difference

Emma and Alex bought a joint life insurance policy shortly after getting married. When Alex faced a sudden illness, their policy ensured that Emma didn’t have to struggle with medical bills and could keep their home. “It was the best financial decision we ever made,” Emma said.