What's the difference between term life and whole life insurance?
Term life covers you for a set period — 10, 20, or 30 years — and pays out only if you die during that term. It's affordable and straightforward. For most families protecting a mortgage or replacing income, term is the right fit.
Whole life (a type of permanent insurance) never expires and builds cash value over time, but costs significantly more. It tends to make more sense for estate planning, legacy goals, or business succession.
We help you figure out which one you actually need — and we'll tell you honestly if the more expensive option isn't the right call for your situation.
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