• Importance of buying insurance
• The companies we represent
• Work sponsored vs. personal insurance
• What is the process after someone dies?
• Preparing to apply
• The Exam
• Types of products
• 12 Insurance "Myths"

What types of insurance products are out there?
There are two basic options, term or whole life, with many variations. But for most people, it's an easy decision - Term insurance is typically the most sensible and affordable way to go. This is because Term insurance provides coverage for a specific period of time (or term) –usually 10, 20 or 30 years. At the end of that term, the policy may be renewable for an additional number of years. With term insurance, your payment stays the same for the entire term of the policy, plus you can decrease the coverage - and the cost of the insurance - as you get older.

Whole life, on the other hand, provides life insurance for your entire life. It is much more expensive than term insurance because you're paying for insurance AND for an investment. As an investment, whole life typically doesn't pay nearly as well as other options, like CD's or mutual funds. So, unless you have a lot of extra money, whole life rarely makes sense.

Term insurance covers you for a specific period of time, while whole life covers your---whole life. Term makes sense for most people because at some point, expenses like tuition and mortgage payments are behind you. Why pay for insurance you won't need?