Life Protection U.S.A. - no exam life insurance ohio

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What Kind of Life Insurance Should I Buy?

The most basic feature of a life insurance policy is the death benefit: the lump sum payment your beneficiaries will receive when you die. Some types of life insurance offer other features that can play an important role in your financial strategy, such as the ability to accumulate cash value that grows over time.

Term Life Insurance
Term life insurance provides pure protection for a specific period of time-the "term"-and is designed for temporary circumstances. Typically term insurance offers the greatest amount of coverage for the lowest initial premium and is a good choice for young families on a tight budget.

Another popular type of term life insurance is "Return of Premium" term life. Imagine receiving all your money-back on your life insurance. Your beneficiary receives a death benefit if you die, but if you live the insurance company returns all of your premiums! Ask us about Return of Premium life insurance!

Permanent Life Insurance
Permanent insurance offers lifelong protection and you can accumulate cash value on a tax-deferred basis. Initial premiums are higher then term insurance.

Permanent Life Insurance Options: