Individual Life Insurance

There are four primary types of life insurance, and each has a place in any sound financial plan. The four variations of life insurance are:

  • Term Life Insurance - fixed premiums for a fixed period of time, like 10 or 20 years
  • Whole Life Insurance - permanent insurance, as long as premiums are paid, with fixed premiums and cash value benefits
  • Universal Life Insurance - permanent insurance with options to change premiums and death benefits
  • Variable Life Insurance - similar to Universal Life but with the flexibility to choose investment risks to maximize cash value benefit

Life insurance can be used for a variety of financial planning purposes, including:

  • Paying for the education of children
  • Helping your spouse and surviving children maintain their lifestyles
  • To ensure the continuation of a business after the death of a key owner or employee

Contact James E. Moore Insurance Agency, Inc. today to review your needs and options. 


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