WHOLE LIFE INSURANCE - A level premium whole life policy. This type of life insurance policy offers flexible premiums with an adjustable death benefit.

TERM LIFE INSURANCE - Term life insurance is a contract that provides life insurance protection for a specific period of years. The terms vary by carrier but are available for 1, 5, 10, 15, 20 and 30 years. The face amount of coverage is payable if the death is during the term of the policy.

DECREASING TERM INSURANCE - The amount of life insurance coverage decreases during the term of the policy until it reaches zero. This product is used for mortgage insurance protection and/or loans that will decrease over a period of time.