Personal Safety Net

Term life Insurance - provides coverage for a specific period (the term). If you die during that time, your beneficiary gets a payout. If the term ends, coverage stops. 

Whole Life Insurance - Permanent coverage with a cash value component that grows tax-deferred. It lasts your entire life.  

Final Expense - Smaller whole life policy designed to cover funeral and end-of-life costs. 

Medical- A contract to cover most medical costs (doctors, hospitals, prescriptions) in exchange for a premium, protecting against high, unexpected bills. 

Dental- A contract covering costs for preventative care (cleanings, checkups), basic procedures (fillings), and major services (crowns, root canals) for teeth.  

Vision- A plan covering routine eye exams, glasses, and/or contact lenses. Often includes discounts on frames, lenses, and corrective procedures 

Accident- A policy that pays a fixed cash benefit directly to you or your family after an injury from a covered accident to help cover expenses.