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Term life insurance provides coverage for a specific period of time and does not accumulate cash value. It is often chosen for its lower initial cost compared to permanent life insurance. Term life can be a suitable option for individuals seeking financial protection during key life stages, such as raising children, covering income replacement, or paying off a mortgage.

Whole life insurance is a type of permanent life insurance designed to provide coverage for the insured’s lifetime, provided required premiums are paid. Policies generally include a death benefit and may build cash value over time according to the terms of the policy. Whole life insurance can offer long-term protection and predictable features compared to term insurance.

Indexed Universal Life insurance is a type of permanent life insurance that provides a death benefit and a cash value component. The cash value growth may be tied to the performance of a market index, subject to policy caps, participation rates, and other limitations. IUL policies are not direct investments in the stock market and do not involve ownership of securities. Actual performance varies by policy and market conditions.

Final expense insurance is a type of whole life insurance designed to help cover end-of-life expenses such as funeral costs, medical bills, and other final obligations. These policies are typically structured with smaller coverage amounts and simplified underwriting to help provide financial support to loved ones during a difficult time.