Whole Life/ Final Expense (WL/FE):

• Permanent Coverage that has level premiums.
• Great for final expenses.
• Lowest rates when it comes to permanent coverage.
• Ages 18-44 may be eligible for up to 35,000$ in coverage.
• Ages 45 and up may be eligible for up to 50,000$ in coverage.
• Builds a steady cash value that can be used towards living expenses.
• Fixed premiums with no medical exams make it a simple yet affordable.

Indexed Universal Life (IUL):

• Flexible life insurance policy that offers permanent coverage.
• Up to 300,000$ for ages 18 and up, while building cash value over time.
• Your money grows based on the performance of a stock market index like the S&P500.
• Without being directly invested in the market, you get growth potential with built-in protection from market losses.
• Best option for healthy people who are good at saving money
  
  

Simplified Issue Whole Life (SIWL):

• Offers permanent coverage with no medical exams at slightly higher rates.
• Approval is quick and simple, just answer a few basic lifestyle questions.
• Great option if you're looking for permanent coverage but don't qualify for other permanent options.

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Guaranteed Issue Whole Life (GIWL):

• Reserved for those ages 50 to 85, this policy requires no medical questions at all.
• Everyone is approved at higher rates, regardless of health history.
• It’s a reliable way to help cover final expenses when you do not qualify for any other permanent options.