If you have a term policy it only works for a term. It does not cover you if you lose your job or the terms of your life change. Policies start as low as $30 a month and you can add on children for a reduce cost that they keep as they age.

Whole life insurance provides coverage for your entire your life. It covers income, accidents, hospital visits, long term hospitalizations, policy payment assistance, burial, and has investment components that give you tax free money. Term life offers no cash value no matter how long you have it. Whole life builds value that you can borrow in three years and you don't have to pay it back.

Yes, you can typically make changes to your policy after it's issued, although the options available may vary depending on the type of policy you have. Common changes include updating beneficiaries, adjusting coverage amounts, or changing payment methods. It's important to keep your policy up to date to align with your changing circumstances. I am here to assist you with any policy changes or updates you may require. Feel free to reach out, and I will ensure your policy continues to meet your needs.

Term life insurance is attractive to young people with children. Parents can obtain substantial coverage for a low cost, and if the insured dies while the policy is in effect, the family can rely on the death benefit to replace lost income. These policies are also well-suited for people with growing families.