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Life Insurance.

Let US Health Exchange guide you through the right products for you and your family.

Life Insurance Categories

There are many kinds of life insurance, but they generally fall into two categories.

Term Insurance vs Permanent Insurance.

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.

Term Insurance

Permanent Insurance

Designed to meet temporary needs.

Designed to meet temporary needs.

Designed to meet temporary needs.

Lifelong protection.

Lifelong protection.

Lifelong protection.

Accumulates cash value.

Accumulates cash value.

Accumulates cash value.

Frequently Asked Questions.

Find below some common questions from our clients.

What is Term 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.

What is Permanent Insurance?

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.

What type of life insurance is better?

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.

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