There are thousands of different types of life insurance policies on the market. Depending on who you speak to, life insurance can be really complex or it can be really simple. We at My Family Life Insurance like to say there is “genius in simplicity.” We break down the complexity into really simple ways to understand.
The cheapest way to obtain life insurance coverage is through a term policy. As you will see, we promote term life insurance first.
Here’s a tip: the longer the product name, the more confusing the product can be! For instance, term life insurance is a lot easier to understand than a variable universal life insurance policy (wow, that’s a mouthful! And, don’t worry, we won’t talk about VULs on this site).
Here is something else to remember, too: just because term life insurance is cheap and comparatively less expensive, that doesn’t mean term is the best for you, either! You need to understand your situation, what your goals are, and what you are trying to accomplish. Moreover, your health, occupation, and lifestyle choices can also play a significant impact on the type of life insurance you need.
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