If you have Life Insurance right now, here are a few questions to ask yourself:

Questions about your current plan

• What type is it? (group, term, ROP, permanent)
• What is your coverage?
• What is your premium?
• When does it expire?

Temporary Plans (10, 15-35 year terms)

• Group – At the will of your employer and limited coverage
• Term – Expires at end of no term. No cash value if you outlive your policy.
• Return of Premium – Every penny returned if you outlive policy or pay up a reduce permanent lifetime policy.

Temporary Plans (10, 15-35 year terms)

• UL – Expires at age 90, 100 or 120. No Cash Value.
• Index UL – Overfunding can help increase tax free Cash Value.
• Whole Life – Fixed premium and dividends ad to Cash Value.
• Final Expense – Low Death Benefit to cover burial expenses.