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Frequently Asked Questions
Common Questions Answered for your convenience.
What is life insurance and how does it work?
Life insurance is a contract between you and an insurance company. You pay regular premiums, and in exchange, the company agrees to pay a lump sum of money (called a death benefit) to your chosen beneficiaries when you die.
How it works:
You choose a type of policy, coverage amount, and beneficiary.
You pay monthly or annual premiums.
If you die while the policy is active, your beneficiary receives the death benefit.
Some policies (like permanent life insurance) may also build cash value over time, which you can use while you're alive.
What’s the difference between term and permanent life insurance?
FeatureTerm Life InsurancePermanent Life InsuranceCoverage Length
Fixed period (10, 20, 30 years, etc.)Lifetime (as long as premiums are paid)CostLower premiumsHigher premiumsCash ValueNo cash valueBuilds cash value over timePurposeTemporary protection (e.g. for family or mortgage)Lifelong coverage + wealth buildingExpires?Yes – if you outlive the termNo – stays in force for life
In short:
Term life is simple and cheap – best for temporary needs.
Permanent life (like Whole Life or IUL) is more complex and expensive but provides lifetime protection and savings features.
