PROTECTION

Learn the differences between term, whole, and universal life insurance. Consider coverage length, premium costs, and cash value.

Consider policy add-ons like accelerated death benefits, premium waivers, or accidental death benefits to enhance your coverage.

Read the policy terms and conditions carefully, paying attention to coverage limits, exclusions, and renewal provisions.

Calculate how much coverage you need for financial obligations and your family's future. Consider inflation, future earnings & family changes.

Get quotes from various insurers to compare premiums, coverage & features. Consider reputation, financial strength & customer service.

Evaluate additional benefits offered by the insurer, such as living benefits, policy conversion options, or discounts for healthy lifestyles.