Life Insurance

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 Whole Life Insurance: This is a permanent policy that provides coverage for your entire life. It builds cash value over time and guarantees a payout to your beneficiaries. 

 Term Life Insurance: This provides coverage for a specific period (like 10, 20, or 30 years). It’s generally more affordable and pays a death benefit if you pass away during the term. 

 Mortgage Protection Insurance: This policy pays off your mortgage if you pass away, ensuring your family can stay in their home without financial stress. 

 Final Expense Insurance: This is a small whole life policy designed to cover funeral and burial costs, easing the financial burden on your loved ones during a difficult time. 

  Indexed Universal Life (IUL): An Indexed Universal Life (IUL) insurance policy is a type of permanent life insurance that not only provides a death benefit but also includes a cash value component. The cash value grows based on a stock market index (like the S&P 500) but with built-in protection against market losses. This means you can potentially earn higher returns than traditional whole life policies while still having the security of life insurance coverage. Plus, you can access the cash value for emergencies or other needs during your lifetime.