Life Insurance in NH and VT

Financial Protection for the People Who Count on You

When it comes to life insurance, there are different options. Each option can be tailored to fit your needs, whether you are a family looking to protect your household and assets or a business looking to protect your interests.

The two basic types of Life insurance are Term and Whole Life.

Term Insurance
People purchase life insurance for a specified amount of time. It provides coverage for a certain period in one’s life, and it is an excellent option for extensive coverage at a lower price. The term does not build cash value and when the term expires the coverage is over. If you keep it longer than the specified time, the price will often rise.

Whole Life
This life insurance product is a “Permanent Product.” The premiums are higher than a term life policy, but you can keep the policy for your whole life. It will build cash value based on dividends from the issuing company accessed during the time of the policy. This product can become valuable in the long run and is often a good option for a supplement to retirement planning and or business protection.

There are many variations of these products, and they can be mixed and matched to create your plan!

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