Get A Personalized Life Insurance Quote

Accidental Death and Dismemberment (AD&D) insurance provides coverage for death or severe injury resulting from an accident. It typically offers a lump sum to beneficiaries if the policyholder dies in an accident and can pay living benefits if the insured loses a limb, sight, hearing, or speech. The payout varies based on the severity of the injury—partial loss (e.g., one limb or sight in one eye) may pay 50% of the coverage, while complete loss (e.g., two limbs or sight in both eyes) can pay the full amount.

Term life insurance provides coverage for a specified period, usually between 10 to 30 years. If the policyholder passes away during the term, their beneficiaries receive a death benefit. It is a more affordable option compared to permanent life insurance because it does not accumulate cash value. Once the term ends, the coverage expires, but it can often be renewed or converted to permanent life insurance, depending on the policy's terms.

Whole life insurance offers lifelong coverage with a fixed premium. In addition to providing a death benefit, it also accumulates cash value over time, which grows at a guaranteed rate. This cash value can be borrowed against or withdrawn, offering financial flexibility. Unlike term life insurance, whole life policies remain active for the policyholder's entire life, as long as premiums are paid, making it a long-term financial tool for both protection and savings.

Disability insurance provides financial protection if you are unable to work due to illness or injury. It replaces a portion of your income, helping to cover living expenses during your recovery. Policies can vary in coverage, offering short-term or long-term benefits. Short-term disability insurance covers temporary disabilities, while long-term coverage supports you for extended periods. This type of insurance ensures you maintain financial stability during unexpected health challenges.