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Life Insurance Information
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
At SJR insurance we understand that Life, health, and retirement planning can seem complicated and overwhelming. Let us help you properly prepare for the "what ifs" in life, from income and mortgage protection to business Buy-Sell funding and Executive Carve Out plans. The plan we build for you is tailored to your circumstances. And when it comes to retirement we'll show you how to retire the way you want to, and take the stress out of your golden years no matter what the market does!