Life is unpredictable, but your family's financial security doesn’t have to be. Life insurance is a powerful way to ensure your loved ones are taken care of if something happens to you. But with different types of coverage available, how do you choose the right one? Here’s a simple breakdown:
🔹 Term Life Insurance – Affordable, straightforward coverage for a specific period (10, 20, or 30 years). If you pass away during this term, your beneficiaries receive a payout. Great for those who want protection during key financial years (e.g., mortgage, raising kids).
🔹 Whole Life Insurance – Lifelong coverage with a guaranteed payout and a built-in cash value that grows over time. It’s ideal for long-term financial planning and leaving a legacy.
🔹 Universal Life Insurance – A flexible option that combines lifelong coverage with investment-like cash value growth. You can adjust premiums and benefits to fit your needs.
🔹 Final Expense Insurance – Designed to cover funeral costs and small debts, providing peace of mind that your family won’t bear the financial burden.
Which one is right for you? It depends on your budget, long-term goals, and family needs. The Life Insurance agent at Durant Insurance is ready to help walk you through the entire process & make sure you & your family are taken care of.
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