Life insurance

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Term Life Insurance

Term life insurance is a popular choice. Consumers choose the length of the policy term: 10, 20, or 30 years, and a face amount starting at $20,000. The premium is fixed for the term of the policy.  Life insurance provides millions of Americans with comfortable protection against financial need. Term life insurance can help provide support for a family in the event of a loved one's death.

Why Choose Term Life Insurance?

Higher face amount- Term life insurance typically offers the most face amount coverage for the lowest cost.
Lower premiums– Depending on the primary insured's age and smoking status, term life premiums may be lower than those for whole life policies. 
Flexible coverage – Provides protection for a specified time period–10, 20, or 30 years–and is designed for temporary circumstances. Term coverage often is purchased by those who need coverage for a specific time period, such as while they have young children, children in college, or are carrying a large debt load.
Policy renewal – If, at the end of the 20-year or 30-year term, the policy has not lapsed and is still in force, the primary insured has the option to renew the policy on an annual basis.

Whole Life Insurance

Whole life insurance can help provide support for a family when a loved one dies, or make funds available to help with the rising cost of educating children. It can also help provide income for retirement years since savings, social security, and employment pensions may not be sufficient for many people 

Why Does Whole Life Insurance make Sense?

Available Cash- You are able to borrow from the policy's cash value to help with medical expenses, retirement, college tuition, or any other bills the policy owner may face.
Increase in cash values – Any increase in the cash value of a whole life policy is not subject to income tax while the cash remains in the policy.
Guaranteed coverage – Coverage continues for as long as the premiums are paid.

Juvenile Life Insurance

Juvenile life insurance- Designed as a foundation product. Children that have life insurance have a base of coverage that may become even more valuable as an adult.

Policies are available from ages 14 days to 17 years.
Parents or grandparents may purchase Aflac juvenile life insurance for children or grandchildren.
The whole life option doubles in value on the policy anniversary following the insured’s 18th birthday.
Term life offers optional conversion to whole life after age 25 with the following benefits: No evidence of insurability and face amounts that double at conversion (with increased premium).

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