Term life insurance is a simple, cost-effective way to ensure your loved ones will have funding for specific needs such as mortgage and school, if you pass away. It pays only if death occurs during the term of the policy. Most term policies have no other benefit provisions. Term insurance generally offers the largest insurance protection for your premium dollar.

Final expense insurance is a type of whole life insurance to help provide coverage for end-of-life expenses. It is often used to cover funeral costs.

There are two types: guaranteed issue and simplified issue.

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