life insurance in Fayetteville NC and Surrounding Areas

The Basic Types of Life Insurance

1. Term Life Insurance - Generally the least expensive, life insurance covers an amount for only a specific period of time, such as 10, 20 or 30 years. It can be used for family protection until children reach a certain age or mortgage protection - to pay off your mortgage or other bills if you die within coverage's time frame.
2. Whole Life Insurance - A permanent type of life insurance that offers a specific value at the end, such as a cash value of $100,000 at age 100. Generally. whole life insurance is a more expensive life insurance policy, but its value is guaranteed.
3. Universal Life Insurance - A permanent type of insurance that also has a cash value associated with it.
4. Variable Universal Life Insurance - A permanent life insurance that offers a cash value account; however, the account is invested in mutual funds, so the amount is not guaranteed. Variable universal life insurance costs less than whole life, but it is a higher risk.

**IMPORTANT NOTE TO OUR MILITARY CLIENTS**

Because of our strategic relationships with more than 30 of the industry's leading life insurance providers we have products designed to cover our military personnel. We have companies that DO NOT CARRY A WAR TIME EXCLUSION if the coverage is placed during a non-deployment time. Call us today for more information.