Best for working families to protect against the income loss of a provider or covering a period of responsibilty. 

Cost of insurance typically much lower than permanent insurance. The savings in premiums can be better invested under your control or under management of licensed professionals. 

Affordable Protection to cover Final expenses and leave your loved ones peace of mind. Options with lower coverage may exist for retired or medically rated clients.

Sometimes sold as " Infinite Banking" or a way to borrow against your Policy's Cash Value. It has a built in savings portion that accumulate in the later years of the policy. Be sure to research the return on the higher premiums and borrowing fees and charges.

Permanent coverage as long as premiums are paid. In general, these policies are best for those with a large up-front investment who are seeking options for a tax-free retirement. Recommended mostly for seasoned investors who will actively manage the funds.