What these cover
Types of insurance
Term life
Income replacement for a set window — ten to thirty years — at the lowest cost per dollar of coverage. The fit for nearly everyone with dependents or a mortgage.
Permanent life
Lifelong coverage with cash value that builds inside the policy, for needs that never expire — estate liquidity, a lifelong dependent, agreements that outlive a career.
Disability income
Replaces a share of earned income if illness or injury interrupts work. While you work, the paycheck is the largest asset you own.
Long-term care
Funds extended care so the cost lands on a policy instead of on the family or the estate. Best priced in your fifties, while healthy.
Final expense
Smaller whole-life policies sized to funeral and final costs, with simplified underwriting — often no exam. A fit when health or budget rules out larger coverage and the need is specific.
Retirement income — annuities & IULs
Annuities convert savings into income that cannot be outlived; indexed universal life pairs lifelong coverage with cash value growth and a floor. Some options are quotable here — the right fit depends on the whole plan, so these are best discussed.