Life Insurance is one of the most important purchases you will ever invest in.  In the event of an unexpected death, life insurance can help pay for funeral costs, help to pay bills and outstanding debt, meet ongoing living expenses or finance your child's education.  

There are two basic types of life insurance to invest in--Term Life Insurance and Permanent Life Insurance.  See below to compare the two.

Term Life Insurance


  • Term Life Insurance offers protection for a specific amount of time
  • It's designed for temporary circumstances
  • 1-30 years of coverage to choose from
  • If paid through employer, coverage typically ends when employment does
  • Costs are cheaper while you are young, but increases with age, policy length and health changes
  • Does not build Cash Value


Permanent Life Insurance


  • Permanent Life Insurance offers lifelong protection
  • Accumulates Cash Value on a tax-deferred basis
  • Cash Value can be accessed through loans and withdrawals
  • Cash can be used for a variety of purposes, such as, paying bills, or supplementing retirement income
  • Cost is initially higher than Term Life Insurance, but becomes more cost effective as you age


Don't Let it be Complicated

Life Insurance can be complex.  But don't let what you don't understand keep you from getting a policy.  Brad Fiene has been selling Life Insurance from various A plus Rated Carriers for over 30 years.  He can help you take those first steps toward understanding life insurance.

Take the first step to owning life insurance by calculating how much life insurance you need.

When you are finished, click the FREE QUOTES button at the top of this page.  Submit your information and Brad will contact you with various life insurance quotes for you to review.