How do term and permanent life insurance differ?
Term insurance provides coverage for a defined period. Permanent policies can offer long-term protection and build cash value, subject to their terms and required payments.
For individuals and families
Life insurance
Explore how life insurance can support your protection goals and which questions to ask before choosing a policy.
Start with your needs.
Life insurance is designed to pay a benefit to named beneficiaries when the insured person dies, according to the policy terms. Start with the people who depend on you, the responsibilities you want to consider, and how long you want protection. Those priorities help give the conversation a clear purpose.
Prepare for your conversation.
Think about your budget, family commitments, and any coverage you already have. Ask how long protection lasts, what payments it requires, and which conditions could affect the benefit. Compare proposals against similar goals so you can understand the differences between the options you are reviewing.
Frequently asked questions.
How do I start thinking about a coverage amount?
Identify the responsibilities you want to support, such as household expenses, debts, or education. Bring those priorities to a conversation about your needs and budget rather than assuming one amount fits everyone.
What should I ask if I already have a policy?
Ask how your existing coverage compares with your needs and what a change would involve. Review benefits, costs, and conditions before making a decision about an existing policy.
Take the next step.
Talk about your coverage
Tell Safeguard and Associates your state and the coverage category that interests you. Share only general information in the form.
Start a conversationAre you an agent?
Discuss your license, state, and product interests.
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