The primary purpose of life insurance is to protect against the financial loss that can occur from the premature death of the insured. A beneficiary receives the proceeds after the insured person’s death usually as a financial safeguard. A plan usually includes:

• Death benefit – funds received upon the death
• A premium payment- the amount of premium needed to cover costs associated with the death
• A cash value account- it’s a savings account, with permanent life insurance, that accumulates capital to become a living benefit for the insured person

Whether it’s term or permanent, life insurance is a risk management tool we want to make easy for you to sell.

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