Term life insurance: provides coverage for a specified period, such as 10, 20, or 30 years, and pays out a death benefit if the insured dies during that time.

Whole life insurance: provides coverage for the lifetime of the insured and includes a savings component that can accumulate cash value over time.

Term life insurance typically has lower premiums than whole life insurance.

The coverage provided under an insurance policy depends on the specific type and amount of coverage purchased. It's important to review your policy carefully and understand what is covered, what is excluded, and any limits or exclusions that may apply.

A deductible is the amount you are responsible for paying out-of-pocket before your insurance coverage begins. Typically, the higher your deductible, the lower your insurance premiums will be. However, it's important to choose a deductible that you can afford to pay if an incident occurs.

Life insurance is not expensive in comparison to the value it gives in return, the premiums can fit everyone's budget, goals, and needs.

If you miss a payment or your policy lapses, your coverage may be canceled or suspended. To reinstate coverage, you may need to pay any outstanding premiums and any fees or penalties that may apply. It's important to keep your insurance policy in force to ensure continued coverage and protection.

We work on financial scientific study, that reflects your insurance coverage needs and your budget. After all not everyone needs the same plan, it is customized just for you.