Life insurance comes in several forms. Which type is right for you?

A trend in recent years has been away from permanent life policies and toward term life. This works fine for many people. Others want the ability to keep their coverage throughout their lives, at rates set when they were younger, without having to requalify medically. Some want to convert to a paid-up policy later in life. Others need to borrow from their cash value at times. What is right for someone else may not suit your particular needs. Exploring your options and thinking carefully about your family and future is worth a conversation.