Determining the type of insurance to offer requires that you know the amount of coverage needed. Term insurance is appropriate for people with a large insurance need for relatively short periods of time or who need permanent protection, but cannot afford the premiums for permanent Life insurance. In the latter case, term insurance is maintained until cash flow would permit permanent insurance to be purchased. Permanent insurance is used to cover those expenses that will remain throughout the insured’s lifetime or for an indefinite duration, while providing a cash value or accumulation account that can be used for emergency cash or provide future income. Ask us about which Life Insurance policy is right for you and your loved ones. We will be happy to explain the differences in simple, easy to understand terms.