Life Insurance


Term life insurance, also known as pure life insurance, is life insurance that guarantees payment of a death benefit during a specified term. Once the term expires, the policyholder can either renew for another term, convert to permanent coverage, or allow the policy to terminate. Term life insurance policies provide a stated benefit upon the death of the insured, provided that the death occurs within a specific period.

For more information on the 3 types of term insurance, Who will benefit from term insurance and Understanding term vs. permanent.

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Universal life insurance is permanent life insurance with an investment savings element and low premiums like term life insurance. Most universal life insurance policies contain a flexible premium option. However, some require a single premium (single lump-sum premium) or fixed premiums (scheduled fixed premiums).

For more information on the Universal Life Cash Value, Flexible Premiums and other details

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Whole life insurance provides coverage for the life of the insured. In addition to providing a death benefit, whole life also contains a savings component where cash value may accumulate. These policies are also known as permanent or traditional life insurance

For More Information on the Whole Life Cash Value, Death Benefit and History

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Equity-indexed universal life insurance is a type of permanent life insurance policy that ties its accumulation to a stock market index.

For More Information on the Equity Indexed Universal Life Insurance Product

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Variable universal life (VUL) is a permanent life insurance policy with a built-in savings component. The plan allows for the investment of the cash value. Like standard universal life insurance, the premium is flexible.

For more information on how this works

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Group Life:

        1. Aetna- For more info-
        2. Blue Cross Blue Shield of Louisiana- For more info-
        3. Blue Cross Blue Shield of Mississippi- For more info-
        4. Crescent Employee Benefits- For more info-
        5. Cigna- For more info-
        6. Dearborn National- For more info-
        7. Guardian- For more info-
        8. Hartford- For more info-
        9. HCC- For more info-
        10. Humana- For more info-
        11. Kansas City Life- For more info-
        12. Lincoln Financial- For more info-
        13. Met Life- For more info-
        14. Mutual of Omaha- For more info-
        15. One America- For more info-
        16. Principal- For more info-
        17. Prudential- For more info-
        18. Reliance Standard- For more info-
        19. Sun Life- For more info-
        20. Symetra- For more info-
        21. Standard- For more info-
        22. United Healthcare/UMR (Dental and Life)- For more info-
        23. Unum- For more info-
        24. United Healthcare- For more info-
        25. Vantage Health- For more info-