{"id":1596,"date":"2025-05-19T22:47:10","date_gmt":"2025-05-20T02:47:10","guid":{"rendered":"https:\/\/realrisktalk.com\/?page_id=1596"},"modified":"2025-05-31T11:25:30","modified_gmt":"2025-05-31T15:25:30","slug":"1596-2","status":"publish","type":"page","link":"https:\/\/realrisktalk.com\/index.php\/1596-2\/","title":{"rendered":"Life Insurance Guide"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-rdtump1w alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-info-box uagb-block-xjvypach uagb-infobox__content-wrap  uagb-infobox-icon-above-title uagb-infobox-image-valign-top\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><p class=\"uagb-ifb-title-prefix\">Term, Permanent, and What&#8217;s Right for You<\/p><h1 class=\"uagb-ifb-title\">Your Guide to Life Insurance<\/h1><\/div><p class=\"uagb-ifb-desc\">Term, Permanent, and What&#8217;s Right for You<\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-ogobkjwu\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-fsnsraug wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"#\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Get Started<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_09d42e-70, .wp-block-kadence-advancedheading.kt-adv-heading1596_09d42e-70[data-kb-block=\"kb-adv-heading1596_09d42e-70\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_09d42e-70 mark.kt-highlight, 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4rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1596_668197-2c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1596_668197-2c > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id1596_668197-2c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1596_668197-2c alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column1596_49cc54-e0 > .kt-inside-inner-col{display:flex;}.kadence-column1596_49cc54-e0 > .kt-inside-inner-col,.kadence-column1596_49cc54-e0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_49cc54-e0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_49cc54-e0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1596_49cc54-e0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1596_49cc54-e0{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_49cc54-e0{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_49cc54-e0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1596_49cc54-e0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_49cc54-e0{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1596_49cc54-e0{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_49cc54-e0{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_49cc54-e0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1596_49cc54-e0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column1596_49cc54-e0{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_49cc54-e0{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_49cc54-e0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1596_49cc54-e0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column1596_49cc54-e0 {min-height: 300px!important;}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_49cc54-e0 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b, .wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b[data-kb-block=\"kb-adv-heading1596_ae01f1-7b\"]{margin-top:0px;font-size:var(--global-kb-font-size-lg, 2rem);line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b[data-kb-block=\"kb-adv-heading1596_ae01f1-7b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b[data-kb-block=\"kb-adv-heading1596_ae01f1-7b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b, .wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b[data-kb-block=\"kb-adv-heading1596_ae01f1-7b\"]{text-align:left!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b, .wp-block-kadence-advancedheading.kt-adv-heading1596_ae01f1-7b[data-kb-block=\"kb-adv-heading1596_ae01f1-7b\"]{text-align:center!important;}}<\/style>\n<h2 class=\"kt-adv-heading1596_ae01f1-7b wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading1596_ae01f1-7b\">What Life Insurance Really Protects<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_ca9fe4-be, .wp-block-kadence-advancedheading.kt-adv-heading1596_ca9fe4-be[data-kb-block=\"kb-adv-heading1596_ca9fe4-be\"]{margin-bottom:var(--global-kb-spacing-md, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_ca9fe4-be mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_ca9fe4-be[data-kb-block=\"kb-adv-heading1596_ca9fe4-be\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_ca9fe4-be img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_ca9fe4-be[data-kb-block=\"kb-adv-heading1596_ca9fe4-be\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading1596_ca9fe4-be, .wp-block-kadence-advancedheading.kt-adv-heading1596_ca9fe4-be[data-kb-block=\"kb-adv-heading1596_ca9fe4-be\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading1596_ca9fe4-be wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading1596_ca9fe4-be\">Use this space to add a medium length description. Be brief and give enough information to earn their attention.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items1596_243e93-86:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1596_243e93-86 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1596_243e93-86 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1596_243e93-86 .kb-svg-icon-wrap{font-size:26px;color:var(--global-palette1, #3182CE);}.wp-block-kadence-iconlist.kt-svg-icon-list-items1596_243e93-86 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items1596_243e93-86 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items1596_243e93-86 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{color:var(--global-palette4, #2D3748);font-size:20px;font-weight:700;color:var(--global-palette4, #2D3748);}.kt-svg-icon-list-items1596_243e93-86 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items1596_243e93-86 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-1596_1a574c-1b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-1596_1a574c-1b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Replacing Lost Income<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1596_fe493a-7e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-1596_fe493a-7e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Mortgage Protection<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1596_1e3f1c-aa .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-1596_1e3f1c-aa\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Children&#8217;s Future<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1596_7fcc94-fa .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-1596_7fcc94-fa\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Final Expenses<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1596_62dc79-76 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-1596_62dc79-76\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Keeping the Life You&#8217;ve Built Intact<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{display:flex;}.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col,.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col:before{border-top-left-radius:24px;border-top-right-radius:24px;border-bottom-right-radius:24px;border-bottom-left-radius:24px;}.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{column-gap:10px;}.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column1596_5c1c9b-38{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_5c1c9b-38{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_5c1c9b-38{text-align:center;}.kadence-column1596_5c1c9b-38{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column1596_5c1c9b-38{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_5c1c9b-38{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column1596_5c1c9b-38{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_5c1c9b-38{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column1596_5c1c9b-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_5c1c9b-38 kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-image.kb-image1596_d39bec-ee:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-bottom:0px;}.kb-image1596_d39bec-ee .kb-image-has-overlay:after{opacity:0.3;border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;}.kb-image1596_d39bec-ee img.kb-img, .kb-image1596_d39bec-ee .kb-img img{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;object-position:49% 63%;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image1596_d39bec-ee kb-filter-earlybird kb-image-is-ratio-size\"><div class=\"kb-is-ratio-image kb-image-ratio-square\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"2560\" src=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/sleeping-in-grass-with-friends-32104596-scaled.jpg\" alt=\"Sleeping in grass with friends\" class=\"kb-img wp-image-1621\" srcset=\"https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/sleeping-in-grass-with-friends-32104596-scaled.jpg 1920w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/sleeping-in-grass-with-friends-32104596-225x300.jpg 225w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/sleeping-in-grass-with-friends-32104596-768x1024.jpg 768w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/sleeping-in-grass-with-friends-32104596-1152x1536.jpg 1152w, https:\/\/realrisktalk.com\/wp-content\/uploads\/2025\/05\/sleeping-in-grass-with-friends-32104596-1536x2048.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/div><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_842eb0-b1, .wp-block-kadence-advancedheading.kt-adv-heading1596_842eb0-b1[data-kb-block=\"kb-adv-heading1596_842eb0-b1\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_842eb0-b1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_842eb0-b1[data-kb-block=\"kb-adv-heading1596_842eb0-b1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_842eb0-b1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_842eb0-b1[data-kb-block=\"kb-adv-heading1596_842eb0-b1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h5 class=\"kt-adv-heading1596_842eb0-b1 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading1596_842eb0-b1\"><em>Life insurance is one of the most thoughtful and lasting ways to take care of your family.<\/em><\/h5>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-526fde2f\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-43464a9c\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n\n<style>.kb-row-layout-id1596_b8686a-c8 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1596_b8686a-c8 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1596_b8686a-c8 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1596_b8686a-c8 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1596_b8686a-c8 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1596_b8686a-c8 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1596_b8686a-c8 alignfull has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1596_b2cfff-67 > .kt-inside-inner-col,.kadence-column1596_b2cfff-67 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_b2cfff-67 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_b2cfff-67 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_b2cfff-67 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_b2cfff-67 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_b2cfff-67{position:relative;}@media all and (max-width: 1024px){.kadence-column1596_b2cfff-67 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_b2cfff-67 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_b2cfff-67\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1596_04d7da-86, .wp-block-kadence-advancedheading.kt-adv-heading1596_04d7da-86[data-kb-block=\"kb-adv-heading1596_04d7da-86\"]{text-align:center;font-size:40px;font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading1596_04d7da-86 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_04d7da-86[data-kb-block=\"kb-adv-heading1596_04d7da-86\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_04d7da-86 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_04d7da-86[data-kb-block=\"kb-adv-heading1596_04d7da-86\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading1596_04d7da-86 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading1596_04d7da-86\">Understanding the Two Main Types of Life Insurance<\/h3>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kadence-column1596_e02483-3f > .kt-inside-inner-col,.kadence-column1596_e02483-3f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_e02483-3f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_e02483-3f > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_e02483-3f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_e02483-3f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_e02483-3f{position:relative;}@media all and (max-width: 1024px){.kadence-column1596_e02483-3f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_e02483-3f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_e02483-3f\"><div class=\"kt-inside-inner-col\"><style>.kb-table-container1596_c42c81-87{overflow-x:auto;}.kb-table1596_c42c81-87 td:nth-of-type(1), .kb-table1596_c42c81-87 th:nth-of-type(1){width:30%;}.kb-table1596_c42c81-87 td:nth-of-type(2), .kb-table1596_c42c81-87 th:nth-of-type(2){width:30%;}.kb-table1596_c42c81-87{table-layout:fixed;width:100%;}.kb-table-container .kb-table1596_c42c81-87{overflow-x:scroll;}.kb-table-container .kb-table1596_c42c81-87 th{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);text-align:center;}.kb-table-container .kb-table1596_c42c81-87 caption{text-align:center;}.kb-table-container .kb-table1596_c42c81-87 td{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);text-align:left;}.kb-table-container .kb-table1596_c42c81-87 td:nth-of-type(1){background-color:var(--global-palette7, #EDF2F7);}.kb-table-container .kb-table1596_c42c81-87 th:nth-of-type(1){background-color:var(--global-palette7, #EDF2F7);}.kb-table-container .kb-table1596_c42c81-87 td:nth-of-type(2){background-color:var(--global-palette7, #EDF2F7);}.kb-table-container .kb-table1596_c42c81-87 th:nth-of-type(2){background-color:var(--global-palette7, #EDF2F7);}@media all and (max-width: 1024px){.kb-table-container1596_c42c81-87{max-width:80%;}}@media all and (max-width: 1024px){.kb-table1596_c42c81-87 td:nth-of-type(1), .kb-table1596_c42c81-87 th:nth-of-type(1){width:300px;}}@media all and (max-width: 1024px){.kb-table1596_c42c81-87 td:nth-of-type(2), .kb-table1596_c42c81-87 th:nth-of-type(2){width:300px;}}@media all and (max-width: 1024px){.kb-table-container .kb-table1596_c42c81-87 th{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}}@media all and (max-width: 1024px){.kb-table-container .kb-table1596_c42c81-87 td{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}}@media all and (max-width: 767px){.kb-table-container .kb-table1596_c42c81-87 th{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kb-table-container .kb-table1596_c42c81-87 td{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}}<\/style><div class=\"kb-table-container kb-table-container1596_c42c81-87 wp-block-kadence-table\"><table class=\"kb-table kb-table1596_c42c81-87\">\n<tr class=\"kb-table-row kb-table-row1596_aa1e6d-e2\">\n<th class=\"kb-table-data kb-table-data1596_fda032-a9\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_0387c3-7b, .wp-block-kadence-advancedheading.kt-adv-heading1596_0387c3-7b[data-kb-block=\"kb-adv-heading1596_0387c3-7b\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_0387c3-7b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_0387c3-7b[data-kb-block=\"kb-adv-heading1596_0387c3-7b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_0387c3-7b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_0387c3-7b[data-kb-block=\"kb-adv-heading1596_0387c3-7b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<div class=\"kt-adv-heading1596_0387c3-7b wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color has-theme-palette-6-background-color has-background\" data-kb-block=\"kb-adv-heading1596_0387c3-7b\">Term Life<\/div>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data1596_6cddce-21\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_5d34c0-6f, .wp-block-kadence-advancedheading.kt-adv-heading1596_5d34c0-6f[data-kb-block=\"kb-adv-heading1596_5d34c0-6f\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;background-color:#506179;}.wp-block-kadence-advancedheading.kt-adv-heading1596_5d34c0-6f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_5d34c0-6f[data-kb-block=\"kb-adv-heading1596_5d34c0-6f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_5d34c0-6f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_5d34c0-6f[data-kb-block=\"kb-adv-heading1596_5d34c0-6f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<div class=\"kt-adv-heading1596_5d34c0-6f wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1596_5d34c0-6f\">Permanent Life<\/div>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row1596_98c1ec-2f\">\n<td class=\"kb-table-data kb-table-data1596_98fd44-1d\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_392efb-80, .wp-block-kadence-advancedheading.kt-adv-heading1596_392efb-80[data-kb-block=\"kb-adv-heading1596_392efb-80\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_392efb-80[data-kb-block=\"kb-adv-heading1596_392efb-80\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_392efb-80[data-kb-block=\"kb-adv-heading1596_392efb-80\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_392efb-80[data-kb-block=\"kb-adv-heading1596_392efb-80\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_392efb-80 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_392efb-80[data-kb-block=\"kb-adv-heading1596_392efb-80\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_392efb-80 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_392efb-80[data-kb-block=\"kb-adv-heading1596_392efb-80\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_392efb-80 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_392efb-80\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_check-circle kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Covers you for a set period<\/span><\/p>\n<\/td>\n\n<td class=\"kb-table-data kb-table-data1596_e72491-14\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_b59ec8-c4, .wp-block-kadence-advancedheading.kt-adv-heading1596_b59ec8-c4[data-kb-block=\"kb-adv-heading1596_b59ec8-c4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_b59ec8-c4[data-kb-block=\"kb-adv-heading1596_b59ec8-c4\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_b59ec8-c4[data-kb-block=\"kb-adv-heading1596_b59ec8-c4\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_b59ec8-c4[data-kb-block=\"kb-adv-heading1596_b59ec8-c4\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_b59ec8-c4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_b59ec8-c4[data-kb-block=\"kb-adv-heading1596_b59ec8-c4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_b59ec8-c4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_b59ec8-c4[data-kb-block=\"kb-adv-heading1596_b59ec8-c4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_b59ec8-c4 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_b59ec8-c4\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-kb-custom-1616 kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 311.539 311.539\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><g ><polygon points=\"214.696,98.019 132.761,179.955 95.716,142.908 67.43,171.193 132.761,236.523 242.981,126.305  \"\/><path d=\"M155.77,0C69.74,0,0,69.74,0,155.77s69.74,155.77,155.77,155.77s155.77-69.74,155.77-155.77S241.799,0,155.77,0z    M155.77,271.539C91.784,271.539,40,219.761,40,155.77C40,91.784,91.778,40,155.77,40c63.986,0,115.77,51.778,115.77,115.77   C271.539,219.755,219.761,271.539,155.77,271.539z\"\/><\/g><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><\/svg><\/span><span class=\"kb-adv-text-inner\">Lasts your entire lifetime<\/span><\/p>\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row1596_2a3fa2-9f\">\n<td class=\"kb-table-data kb-table-data1596_aefc37-93\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_04e562-f3, .wp-block-kadence-advancedheading.kt-adv-heading1596_04e562-f3[data-kb-block=\"kb-adv-heading1596_04e562-f3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_04e562-f3[data-kb-block=\"kb-adv-heading1596_04e562-f3\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_04e562-f3[data-kb-block=\"kb-adv-heading1596_04e562-f3\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_04e562-f3[data-kb-block=\"kb-adv-heading1596_04e562-f3\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_04e562-f3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_04e562-f3[data-kb-block=\"kb-adv-heading1596_04e562-f3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_04e562-f3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_04e562-f3[data-kb-block=\"kb-adv-heading1596_04e562-f3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_04e562-f3 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_04e562-f3\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_check-circle kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Most Affordable<\/span><\/p>\n<\/td>\n\n<td class=\"kb-table-data kb-table-data1596_df396d-b7\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_64331b-e3, .wp-block-kadence-advancedheading.kt-adv-heading1596_64331b-e3[data-kb-block=\"kb-adv-heading1596_64331b-e3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_64331b-e3[data-kb-block=\"kb-adv-heading1596_64331b-e3\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_64331b-e3[data-kb-block=\"kb-adv-heading1596_64331b-e3\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_64331b-e3[data-kb-block=\"kb-adv-heading1596_64331b-e3\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_64331b-e3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_64331b-e3[data-kb-block=\"kb-adv-heading1596_64331b-e3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_64331b-e3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_64331b-e3[data-kb-block=\"kb-adv-heading1596_64331b-e3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_64331b-e3 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_64331b-e3\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-kb-custom-1616 kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 311.539 311.539\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><g ><polygon points=\"214.696,98.019 132.761,179.955 95.716,142.908 67.43,171.193 132.761,236.523 242.981,126.305  \"\/><path d=\"M155.77,0C69.74,0,0,69.74,0,155.77s69.74,155.77,155.77,155.77s155.77-69.74,155.77-155.77S241.799,0,155.77,0z    M155.77,271.539C91.784,271.539,40,219.761,40,155.77C40,91.784,91.778,40,155.77,40c63.986,0,115.77,51.778,115.77,115.77   C271.539,219.755,219.761,271.539,155.77,271.539z\"\/><\/g><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><\/svg><\/span><span class=\"kb-adv-text-inner\">Builds cash value over time<\/span><\/p>\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row1596_bc697b-9d\">\n<td class=\"kb-table-data kb-table-data1596_8c4b64-f9\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_87c6f0-25, .wp-block-kadence-advancedheading.kt-adv-heading1596_87c6f0-25[data-kb-block=\"kb-adv-heading1596_87c6f0-25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_87c6f0-25[data-kb-block=\"kb-adv-heading1596_87c6f0-25\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_87c6f0-25[data-kb-block=\"kb-adv-heading1596_87c6f0-25\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_87c6f0-25[data-kb-block=\"kb-adv-heading1596_87c6f0-25\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_87c6f0-25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_87c6f0-25[data-kb-block=\"kb-adv-heading1596_87c6f0-25\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_87c6f0-25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_87c6f0-25[data-kb-block=\"kb-adv-heading1596_87c6f0-25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_87c6f0-25 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_87c6f0-25\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_check-circle kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">No Cash Value<\/span><\/p>\n<\/td>\n\n<td class=\"kb-table-data kb-table-data1596_fd3a77-af\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_e1b23d-86, .wp-block-kadence-advancedheading.kt-adv-heading1596_e1b23d-86[data-kb-block=\"kb-adv-heading1596_e1b23d-86\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_e1b23d-86[data-kb-block=\"kb-adv-heading1596_e1b23d-86\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_e1b23d-86[data-kb-block=\"kb-adv-heading1596_e1b23d-86\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_e1b23d-86[data-kb-block=\"kb-adv-heading1596_e1b23d-86\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_e1b23d-86 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_e1b23d-86[data-kb-block=\"kb-adv-heading1596_e1b23d-86\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_e1b23d-86 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_e1b23d-86[data-kb-block=\"kb-adv-heading1596_e1b23d-86\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_e1b23d-86 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_e1b23d-86\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-kb-custom-1616 kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 311.539 311.539\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><g ><polygon points=\"214.696,98.019 132.761,179.955 95.716,142.908 67.43,171.193 132.761,236.523 242.981,126.305  \"\/><path d=\"M155.77,0C69.74,0,0,69.74,0,155.77s69.74,155.77,155.77,155.77s155.77-69.74,155.77-155.77S241.799,0,155.77,0z    M155.77,271.539C91.784,271.539,40,219.761,40,155.77C40,91.784,91.778,40,155.77,40c63.986,0,115.77,51.778,115.77,115.77   C271.539,219.755,219.761,271.539,155.77,271.539z\"\/><\/g><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><\/svg><\/span><span class=\"kb-adv-text-inner\">Higher premiums, but lifelong protection<\/span><\/p>\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row1596_087b16-72\">\n<td class=\"kb-table-data kb-table-data1596_361489-31\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_cbd28c-4f, .wp-block-kadence-advancedheading.kt-adv-heading1596_cbd28c-4f[data-kb-block=\"kb-adv-heading1596_cbd28c-4f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_cbd28c-4f[data-kb-block=\"kb-adv-heading1596_cbd28c-4f\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_cbd28c-4f[data-kb-block=\"kb-adv-heading1596_cbd28c-4f\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_cbd28c-4f[data-kb-block=\"kb-adv-heading1596_cbd28c-4f\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_cbd28c-4f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_cbd28c-4f[data-kb-block=\"kb-adv-heading1596_cbd28c-4f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_cbd28c-4f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_cbd28c-4f[data-kb-block=\"kb-adv-heading1596_cbd28c-4f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_cbd28c-4f wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_cbd28c-4f\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_check-circle kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Great for income replacement and debt protection<\/span><\/p>\n<\/td>\n\n<td class=\"kb-table-data kb-table-data1596_37b10f-80\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_bd2a9e-ef, .wp-block-kadence-advancedheading.kt-adv-heading1596_bd2a9e-ef[data-kb-block=\"kb-adv-heading1596_bd2a9e-ef\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bd2a9e-ef[data-kb-block=\"kb-adv-heading1596_bd2a9e-ef\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bd2a9e-ef[data-kb-block=\"kb-adv-heading1596_bd2a9e-ef\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bd2a9e-ef[data-kb-block=\"kb-adv-heading1596_bd2a9e-ef\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bd2a9e-ef mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_bd2a9e-ef[data-kb-block=\"kb-adv-heading1596_bd2a9e-ef\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bd2a9e-ef img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_bd2a9e-ef[data-kb-block=\"kb-adv-heading1596_bd2a9e-ef\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_bd2a9e-ef wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_bd2a9e-ef\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-kb-custom-1616 kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 311.539 311.539\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><g ><polygon points=\"214.696,98.019 132.761,179.955 95.716,142.908 67.43,171.193 132.761,236.523 242.981,126.305  \"\/><path d=\"M155.77,0C69.74,0,0,69.74,0,155.77s69.74,155.77,155.77,155.77s155.77-69.74,155.77-155.77S241.799,0,155.77,0z    M155.77,271.539C91.784,271.539,40,219.761,40,155.77C40,91.784,91.778,40,155.77,40c63.986,0,115.77,51.778,115.77,115.77   C271.539,219.755,219.761,271.539,155.77,271.539z\"\/><\/g><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><\/svg><\/span><span class=\"kb-adv-text-inner\">Can support long-term financial planning or legacy goals<\/span><\/p>\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row1596_6cc7db-c3\">\n<td class=\"kb-table-data kb-table-data1596_31f0a4-71\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_bad8e5-61, .wp-block-kadence-advancedheading.kt-adv-heading1596_bad8e5-61[data-kb-block=\"kb-adv-heading1596_bad8e5-61\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bad8e5-61[data-kb-block=\"kb-adv-heading1596_bad8e5-61\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bad8e5-61[data-kb-block=\"kb-adv-heading1596_bad8e5-61\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bad8e5-61[data-kb-block=\"kb-adv-heading1596_bad8e5-61\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bad8e5-61 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_bad8e5-61[data-kb-block=\"kb-adv-heading1596_bad8e5-61\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_bad8e5-61 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_bad8e5-61[data-kb-block=\"kb-adv-heading1596_bad8e5-61\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_bad8e5-61 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_bad8e5-61\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_check-circle kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Can be paired with a permanent policy for layered protection.<\/span><\/p>\n<\/td>\n\n<td class=\"kb-table-data kb-table-data1596_34109b-f3\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_d6b98f-e4, .wp-block-kadence-advancedheading.kt-adv-heading1596_d6b98f-e4[data-kb-block=\"kb-adv-heading1596_d6b98f-e4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_d6b98f-e4[data-kb-block=\"kb-adv-heading1596_d6b98f-e4\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading1596_d6b98f-e4[data-kb-block=\"kb-adv-heading1596_d6b98f-e4\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading1596_d6b98f-e4[data-kb-block=\"kb-adv-heading1596_d6b98f-e4\"] .kb-adv-heading-icon{color:#531d75;}.wp-block-kadence-advancedheading.kt-adv-heading1596_d6b98f-e4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_d6b98f-e4[data-kb-block=\"kb-adv-heading1596_d6b98f-e4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_d6b98f-e4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_d6b98f-e4[data-kb-block=\"kb-adv-heading1596_d6b98f-e4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading1596_d6b98f-e4 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading1596_d6b98f-e4\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-kb-custom-1616 kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 311.539 311.539\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><g ><polygon points=\"214.696,98.019 132.761,179.955 95.716,142.908 67.43,171.193 132.761,236.523 242.981,126.305  \"\/><path d=\"M155.77,0C69.74,0,0,69.74,0,155.77s69.74,155.77,155.77,155.77s155.77-69.74,155.77-155.77S241.799,0,155.77,0z    M155.77,271.539C91.784,271.539,40,219.761,40,155.77C40,91.784,91.778,40,155.77,40c63.986,0,115.77,51.778,115.77,115.77   C271.539,219.755,219.761,271.539,155.77,271.539z\"\/><\/g><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><g \/><\/svg><\/span><span class=\"kb-adv-text-inner\">Often paired with term coverage for added flexibility and affordability.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/table><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-01a52ec7\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has--font-size has-theme-palette-5-color has-text-color has-link-color wp-elements-5c6d5c54b5264d89bd655f2d1a3f4d39\">Exploring the Types of Life Insurance in More Detail<\/h3>\n\n\n<style>.kb-row-layout-id1596_841ec9-3e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1596_841ec9-3e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1596_841ec9-3e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1596_841ec9-3e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1596_841ec9-3e > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-xl, 4rem);grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id1596_841ec9-3e > .kt-row-column-wrap{row-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-xxl, 5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1596_841ec9-3e alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column1596_4dda4a-85 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-lg, 3rem);}.kadence-column1596_4dda4a-85 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:0px solid var(--global-palette3, #1A202C);border-bottom:0px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}.kadence-column1596_4dda4a-85 > .kt-inside-inner-col,.kadence-column1596_4dda4a-85 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_4dda4a-85 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_4dda4a-85 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_4dda4a-85 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_4dda4a-85 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_4dda4a-85{position:relative;}@media all and (max-width: 1024px){.kadence-column1596_4dda4a-85 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:0px solid var(--global-palette3, #1A202C);border-bottom:0px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_4dda4a-85 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:0px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_4dda4a-85 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1596_0f035f-43, .wp-block-kadence-advancedheading.kt-adv-heading1596_0f035f-43[data-kb-block=\"kb-adv-heading1596_0f035f-43\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-size:var(--global-kb-font-size-lg, 2rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_0f035f-43 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_0f035f-43[data-kb-block=\"kb-adv-heading1596_0f035f-43\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_0f035f-43 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_0f035f-43[data-kb-block=\"kb-adv-heading1596_0f035f-43\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1596_0f035f-43 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading1596_0f035f-43\">Term Life<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Best for temporary needs like mortgage protection or raising children<\/li>\n\n\n\n<li>Expires after the chosen period (10, 20, 30, or 40 years)<\/li>\n\n\n\n<li>Lower cost, no cash value<\/li>\n\n\n\n<li>Convertibility available in many policies<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<style>.kadence-column1596_4def50-64 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-lg, 3rem);}.kadence-column1596_4def50-64 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:0px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}.kadence-column1596_4def50-64 > .kt-inside-inner-col,.kadence-column1596_4def50-64 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_4def50-64 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_4def50-64 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_4def50-64 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_4def50-64 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_4def50-64{position:relative;}@media all and (max-width: 1024px){.kadence-column1596_4def50-64 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:0px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_4def50-64 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:0px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_4def50-64 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1596_4144ac-b9, .wp-block-kadence-advancedheading.kt-adv-heading1596_4144ac-b9[data-kb-block=\"kb-adv-heading1596_4144ac-b9\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-size:var(--global-kb-font-size-lg, 2rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_4144ac-b9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_4144ac-b9[data-kb-block=\"kb-adv-heading1596_4144ac-b9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_4144ac-b9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_4144ac-b9[data-kb-block=\"kb-adv-heading1596_4144ac-b9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1596_4144ac-b9 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading1596_4144ac-b9\">Whole Life<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Coverage lasts your entire life<\/li>\n\n\n\n<li>Premiums are fixed<\/li>\n\n\n\n<li>Guaranteed death benefit<\/li>\n\n\n\n<li>Cash value builds slowly, but steadily<\/li>\n\n\n\n<li>Can be used for loans or withdrawals later in life<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<style>.kadence-column1596_4f139e-c7 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-lg, 3rem);}.kadence-column1596_4f139e-c7 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:0px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}.kadence-column1596_4f139e-c7 > .kt-inside-inner-col,.kadence-column1596_4f139e-c7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_4f139e-c7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_4f139e-c7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_4f139e-c7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_4f139e-c7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_4f139e-c7{position:relative;}@media all and (max-width: 1024px){.kadence-column1596_4f139e-c7 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:0px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_4f139e-c7 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:0px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_4f139e-c7 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1596_0dab7c-14, .wp-block-kadence-advancedheading.kt-adv-heading1596_0dab7c-14[data-kb-block=\"kb-adv-heading1596_0dab7c-14\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-size:var(--global-kb-font-size-lg, 2rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_0dab7c-14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_0dab7c-14[data-kb-block=\"kb-adv-heading1596_0dab7c-14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_0dab7c-14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_0dab7c-14[data-kb-block=\"kb-adv-heading1596_0dab7c-14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1596_0dab7c-14 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading1596_0dab7c-14\">Universal Life<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Flexible coverage and premium options<\/li>\n\n\n\n<li>Part of the premium goes to savings (cash value)<\/li>\n\n\n\n<li>Interest rate on cash value may change over time<\/li>\n\n\n\n<li>Requires careful monitoring to avoid policy lapse<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<style>.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-lg, 3rem);}.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col,.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_ae7c51-a1{position:relative;}@media all and (max-width: 1024px){.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_ae7c51-a1 > .kt-inside-inner-col{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_ae7c51-a1 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1596_452e1b-00, .wp-block-kadence-advancedheading.kt-adv-heading1596_452e1b-00[data-kb-block=\"kb-adv-heading1596_452e1b-00\"]{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);font-size:var(--global-kb-font-size-lg, 2rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_452e1b-00 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_452e1b-00[data-kb-block=\"kb-adv-heading1596_452e1b-00\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_452e1b-00 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_452e1b-00[data-kb-block=\"kb-adv-heading1596_452e1b-00\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1596_452e1b-00 wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading1596_452e1b-00\">Indexed Universal<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Similar to Universal, but cash value growth is&nbsp;<strong>tied to a market index<\/strong>&nbsp;(e.g., S&amp;P 500)<\/li>\n\n\n\n<li>Higher growth potential, but&nbsp;<strong>not guaranteed<\/strong><\/li>\n\n\n\n<li>Often used for long-term wealth strategies<\/li>\n\n\n\n<li>More complex \u2014 requires financial literacy or guidance<\/li>\n<\/ul>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<div class=\"wp-block-uagb-separator uagb-block-9b2789a2\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n\n<style>.kb-row-layout-id1596_43073c-d0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1596_43073c-d0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1596_43073c-d0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xxl, 5rem);padding-bottom:var(--global-kb-spacing-xl, 4rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1596_43073c-d0 > .kt-row-layout-overlay{opacity:0.20;background-color:var(--global-palette1, #3182CE);mix-blend-mode:normal;}@media all and (max-width: 1024px){.kb-row-layout-id1596_43073c-d0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1596_43073c-d0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1596_43073c-d0 alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1596_790a6f-cf > .kt-inside-inner-col,.kadence-column1596_790a6f-cf > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_790a6f-cf > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_790a6f-cf > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_790a6f-cf > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_790a6f-cf > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_790a6f-cf{position:relative;}.kadence-column1596_790a6f-cf, .kt-inside-inner-col > .kadence-column1596_790a6f-cf:not(.specificity){margin-top:var(--global-kb-spacing-lg, 3rem);}@media all and (max-width: 1024px){.kadence-column1596_790a6f-cf > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_790a6f-cf > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_790a6f-cf inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1596_b3d581-bb, .wp-block-kadence-advancedheading.kt-adv-heading1596_b3d581-bb[data-kb-block=\"kb-adv-heading1596_b3d581-bb\"]{margin-top:var(--global-kb-spacing-xs, 1rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);text-align:left;font-size:var(--global-kb-font-size-xl, 3rem);line-height:1.1;font-weight:700;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_b3d581-bb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_b3d581-bb[data-kb-block=\"kb-adv-heading1596_b3d581-bb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_b3d581-bb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_b3d581-bb[data-kb-block=\"kb-adv-heading1596_b3d581-bb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading1596_b3d581-bb wp-block-kadence-advancedheading has-theme-palette-5-color has-text-color\" data-kb-block=\"kb-adv-heading1596_b3d581-bb\">Add-Ons and Policy Riders<\/h2>\n\n\n\n<ul style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\" class=\"wp-block-list\">\n<li>Accelerated Death Benefit: Access payout if terminally ill<\/li>\n\n\n\n<li>Waiver of Premium: Keeps policy active if disabled<\/li>\n\n\n\n<li>Child Term Rider: Adds small coverage for dependents<\/li>\n\n\n\n<li>Guaranteed Insurability: Lets you increase coverage later, no new medical exam<\/li>\n\n\n\n<li>Long-Term Car Rider: combines life and LTC needs<\/li>\n<\/ul>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1596_3cd7f6-c0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1596_3cd7f6-c0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1596_3cd7f6-c0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xxl, 5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1596_3cd7f6-c0 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1596_3cd7f6-c0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1596_3cd7f6-c0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1596_3cd7f6-c0 alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1596_8a6c8b-26 > .kt-inside-inner-col,.kadence-column1596_8a6c8b-26 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_8a6c8b-26 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_8a6c8b-26 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_8a6c8b-26 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_8a6c8b-26 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_8a6c8b-26{position:relative;}@media all and (max-width: 1024px){.kadence-column1596_8a6c8b-26 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_8a6c8b-26 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_8a6c8b-26\"><div class=\"kt-inside-inner-col\">\n<hr class=\"wp-block-separator has-text-color has-theme-palette-7-color has-alpha-channel-opacity has-theme-palette-7-background-color has-background\"\/>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_f28dbf-61, .wp-block-kadence-advancedheading.kt-adv-heading1596_f28dbf-61[data-kb-block=\"kb-adv-heading1596_f28dbf-61\"]{max-width:1299px;margin-right:auto;margin-left:auto;margin-top:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:38px;line-height:1.2;font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading1596_f28dbf-61 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_f28dbf-61[data-kb-block=\"kb-adv-heading1596_f28dbf-61\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_f28dbf-61 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_f28dbf-61[data-kb-block=\"kb-adv-heading1596_f28dbf-61\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h1 class=\"kt-adv-heading1596_f28dbf-61 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_f28dbf-61\">Do You Really Need More Than Work Coverage?<br><\/h1>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1596_4177a7-a3 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1596_4177a7-a3 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1596_4177a7-a3 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:768px;margin-left:auto;margin-right:auto;padding-top:var(--global-kb-spacing-xxl, 5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1596_4177a7-a3 > .kt-row-layout-overlay{opacity:0.30;}.kb-row-layout-id1596_4177a7-a3 ,.kb-row-layout-id1596_4177a7-a3 h1,.kb-row-layout-id1596_4177a7-a3 h2,.kb-row-layout-id1596_4177a7-a3 h3,.kb-row-layout-id1596_4177a7-a3 h4,.kb-row-layout-id1596_4177a7-a3 h5,.kb-row-layout-id1596_4177a7-a3 h6{color:var(--global-palette3, #1A202C);}.kb-row-layout-id1596_4177a7-a3 a{color:var(--global-palette1, #3182CE);}.kb-row-layout-id1596_4177a7-a3 a:hover{color:var(--global-palette2, #2B6CB0);}.kb-row-layout-id1596_4177a7-a3 .kt-row-layout-top-sep{height:100px;}.kb-row-layout-id1596_4177a7-a3 .kt-row-layout-top-sep svg{width:100%;}.kb-row-layout-id1596_4177a7-a3 .kt-row-layout-top-sep svg{fill:var(--global-palette9, #ffffff)!important;}@media all and (max-width: 1024px){.kb-row-layout-id1596_4177a7-a3 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1596_4177a7-a3 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1596_4177a7-a3 alignfull has-theme-palette8-background-color kt-row-has-bg kb-divider-static wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-top-sep kt-row-sep-type-sltl\"><svg viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\"><path d=\"M1000,0l-1000,100l1000,0l0,-100Z\" \/><\/svg><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1596_34534c-4a > .kt-inside-inner-col,.kadence-column1596_34534c-4a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_34534c-4a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_34534c-4a > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_34534c-4a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_34534c-4a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_34534c-4a{position:relative;}@media all and (max-width: 1024px){.kadence-column1596_34534c-4a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_34534c-4a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_34534c-4a\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-pullquote\"><blockquote><p>Your work policy is tied to your job \u2014 and it usually disappears when you leave.<\/p><\/blockquote><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_14bc1b-da, .wp-block-kadence-advancedheading.kt-adv-heading1596_14bc1b-da[data-kb-block=\"kb-adv-heading1596_14bc1b-da\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_14bc1b-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_14bc1b-da[data-kb-block=\"kb-adv-heading1596_14bc1b-da\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_14bc1b-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_14bc1b-da[data-kb-block=\"kb-adv-heading1596_14bc1b-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h5 class=\"kt-adv-heading1596_14bc1b-da wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_14bc1b-da\">It\u2019s common to assume the life insurance you get through your job is enough, but here\u2019s why that can be risky.<br><br><\/h5>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_8aa250-02, .wp-block-kadence-advancedheading.kt-adv-heading1596_8aa250-02[data-kb-block=\"kb-adv-heading1596_8aa250-02\"]{text-align:center;font-size:22px;font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading1596_8aa250-02 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_8aa250-02[data-kb-block=\"kb-adv-heading1596_8aa250-02\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_8aa250-02 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_8aa250-02[data-kb-block=\"kb-adv-heading1596_8aa250-02\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1596_8aa250-02 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_8aa250-02\">Employer-provided life insurance is a helpful benefit, but it&#8217;s usually not enough on its own.<br><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_2029b3-c2, .wp-block-kadence-advancedheading.kt-adv-heading1596_2029b3-c2[data-kb-block=\"kb-adv-heading1596_2029b3-c2\"]{text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_2029b3-c2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_2029b3-c2[data-kb-block=\"kb-adv-heading1596_2029b3-c2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_2029b3-c2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_2029b3-c2[data-kb-block=\"kb-adv-heading1596_2029b3-c2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1596_2029b3-c2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_2029b3-c2\">Most group plans only offer coverage equal to one or two times your annual salary. That might sound like a lot, but for most families, it wouldn\u2019t come close to replacing your income long-term or covering major expenses like the mortgage, childcare, or college tuition.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>Most employer plans won\u2019t come close to replacing your income or protecting your family\u2019s future.<\/p><\/blockquote><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_49ef40-68, .wp-block-kadence-advancedheading.kt-adv-heading1596_49ef40-68[data-kb-block=\"kb-adv-heading1596_49ef40-68\"]{text-align:center;font-size:21px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_49ef40-68 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_49ef40-68[data-kb-block=\"kb-adv-heading1596_49ef40-68\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_49ef40-68 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_49ef40-68[data-kb-block=\"kb-adv-heading1596_49ef40-68\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1596_49ef40-68 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_49ef40-68\"><strong>The bigger issue is this:<\/strong> your work policy is tied to your job.<br>If you leave the company, retire, or get laid off, that coverage likely disappears. While some plans offer the option to convert your group coverage into an individual policy, those options are often limited and can be costly.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>The moment you leave your job, your family could be left with nothing.<\/p><\/blockquote><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_cdfe53-22, .wp-block-kadence-advancedheading.kt-adv-heading1596_cdfe53-22[data-kb-block=\"kb-adv-heading1596_cdfe53-22\"]{text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_cdfe53-22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_cdfe53-22[data-kb-block=\"kb-adv-heading1596_cdfe53-22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_cdfe53-22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_cdfe53-22[data-kb-block=\"kb-adv-heading1596_cdfe53-22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1596_cdfe53-22 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_cdfe53-22\">A personal life insurance policy gives you more control. <br>It stays with you no matter where you work, and you get to decide the coverage amount, who receives the benefit, and how your protection fits into your long-term plans.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>You can\u2019t take your group life insurance with you, but a personal policy follows you for life.<\/p><\/blockquote><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_0a4c68-71, .wp-block-kadence-advancedheading.kt-adv-heading1596_0a4c68-71[data-kb-block=\"kb-adv-heading1596_0a4c68-71\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_0a4c68-71 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_0a4c68-71[data-kb-block=\"kb-adv-heading1596_0a4c68-71\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_0a4c68-71 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_0a4c68-71[data-kb-block=\"kb-adv-heading1596_0a4c68-71\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading1596_0a4c68-71 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_0a4c68-71\">It\u2019s not about replacing what your job offers, it\u2019s about making sure your family is protected no matter what happens next.<\/h4>\n\n\n<style>.kt-blocks-testimonials-wrap1596_047080-b2 .kt-svg-testimonial-global-icon{color:var(--global-palette1, #3182CE);font-size:20px;}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-item-0 .kt-svg-testimonial-icon{font-size:50px;}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-rating-wrap .kb-svg-icon-wrap{color:#ffd700;font-size:16px;}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-grid-wrap{gap:0px;}.wp-block-kadence-testimonials.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-text-wrap:after{border-top-color:var(--global-palette7, #EDF2F7);}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-item-wrap .kt-testimonial-text-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-item-wrap .kt-testimonial-title{font-size:var(--global-kb-font-size-lg, 2rem);}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-occupation{color:var(--global-palette6, #718096);font-size:15px;}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-item-wrap{max-width:450px;}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-item-wrap .kt-testimonial-text-wrap{background:var(--global-palette9, #ffffff);max-width:450px;}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-media-inner-wrap{width:50px;border-top:0px solid;border-right:0px solid;border-bottom:0px solid;border-left:0px solid;border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:var(--global-kb-spacing-xs, 1rem);}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-svg-testimonial-icon{justify-content:center;align-items:center;}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-svg-testimonial-global-icon svg{display:inline-block;vertical-align:middle;}@media all and (max-width: 1024px){.kt-blocks-testimonials-wrap1596_047080-b2{margin-right:-100px;}}@media all and (max-width: 1024px){.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-media-inner-wrap{border-top:0px solid;border-right:0px solid;border-bottom:0px solid;border-left:0px solid;}}@media all and (max-width: 767px){.kt-blocks-testimonials-wrap1596_047080-b2{margin-right:0px;padding-top:px;padding-bottom:px;margin-top:px;margin-bottom:px;}.kt-blocks-testimonials-wrap1596_047080-b2 .kt-testimonial-media-inner-wrap{border-top:0px solid;border-right:0px solid;border-bottom:0px solid;border-left:0px solid;}}<\/style><div class=\"kt-blocks-testimonials-wrap1596_047080-b2 kt-testimonial-halign-center kt-testimonial-style-bubble kt-testimonials-media-on kt-testimonials-icon-on kt-testimonial-columns-1 kt-t-xxl-col-1 kt-t-xl-col-1 kt-t-lg-col-1 kt-t-md-col-1 kt-t-sm-col-1 kt-t-xs-col-1 wp-block-kadence-testimonials\"><ul class=\"kt-blocks-testimonials-inner-wrap kt-testimonial-grid-wrap\">\n<li class=\"kt-testimonial-grid-item\"><div class=\"kt-testimonial-item-wrap kt-testimonial-item-1596_07f4ed-3f wp-block-kadence-testimonial\"><div class=\"kt-testimonial-text-wrap\"><div class=\"kt-svg-testimonial-global-icon-wrap\"><div class='kt-svg-testimonial-global-icon kt-svg-testimonial-global-icon-icon-fas_quote-left'><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M464 256h-80v-64c0-35.3 28.7-64 64-64h8c13.3 0 24-10.7 24-24V56c0-13.3-10.7-24-24-24h-8c-88.4 0-160 71.6-160 160v240c0 26.5 21.5 48 48 48h128c26.5 0 48-21.5 48-48V304c0-26.5-21.5-48-48-48zm-288 0H96v-64c0-35.3 28.7-64 64-64h8c13.3 0 24-10.7 24-24V56c0-13.3-10.7-24-24-24h-8C71.6 32 0 103.6 0 192v240c0 26.5 21.5 48 48 48h128c26.5 0 48-21.5 48-48V304c0-26.5-21.5-48-48-48z\"\/><\/svg><\/div><\/div><div class=\"kt-testimonial-content-wrap\"><blockquote class=\"kt-testimonial-content\">\u201cI thought the coverage through my job would be enough, but when I actually looked at the numbers, it wouldn\u2019t have even covered our mortgage. I realized my family needed something more solid \u2014 something I could control and keep no matter where I worked.\u201d<\/blockquote><\/div><\/div><div class=\"kt-testimonial-meta-wrap\"><div class=\"kt-testimonial-meta-name-wrap\"><div class=\"kt-testimonial-name-wrap\"><div class=\"kt-testimonial-name\"> <\/div><\/div><div class=\"kt-testimonial-occupation-wrap\"><div class=\"kt-testimonial-occupation\"> <\/div><\/div><\/div><\/div><\/div><\/li>\n<\/ul><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1596_f7eb20-90 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1596_f7eb20-90 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1596_f7eb20-90 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-xl, 4rem);padding-bottom:var(--global-kb-spacing-xxl, 5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1596_f7eb20-90 > .kt-row-layout-overlay{opacity:0.20;background-color:var(--global-palette1, #3182CE);mix-blend-mode:normal;}@media all and (max-width: 1024px){.kb-row-layout-id1596_f7eb20-90 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1596_f7eb20-90 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1596_f7eb20-90 alignfull has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1596_133d9b-dd > .kt-inside-inner-col,.kadence-column1596_133d9b-dd > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_133d9b-dd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_133d9b-dd > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_133d9b-dd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_133d9b-dd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_133d9b-dd{position:relative;}.kadence-column1596_133d9b-dd, .kt-inside-inner-col > .kadence-column1596_133d9b-dd:not(.specificity){margin-top:var(--global-kb-spacing-lg, 3rem);}@media all and (max-width: 1024px){.kadence-column1596_133d9b-dd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_133d9b-dd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_133d9b-dd inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1596_5a1338-09, .wp-block-kadence-advancedheading.kt-adv-heading1596_5a1338-09[data-kb-block=\"kb-adv-heading1596_5a1338-09\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_5a1338-09 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_5a1338-09[data-kb-block=\"kb-adv-heading1596_5a1338-09\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_5a1338-09 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_5a1338-09[data-kb-block=\"kb-adv-heading1596_5a1338-09\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading1596_5a1338-09 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_5a1338-09\">How Much Life Insurance Do You Actually Need?<\/h3>\n\n\n\n<p class=\"has-text-align-center has-sm-font-size has-theme-palette-5-color has-text-color has-link-color has-medium-font-size wp-elements-4dde6c9df6b2408377de4c6cd364e09d\">Use our Insurance Calculator <a href=\"https:\/\/realrisktalk.com\/index.php\/our-clients\/insurance-calculators-checklist\/\" data-type=\"page\" data-id=\"105\">Here<\/a><\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<div class=\"wp-block-uagb-container uagb-block-01izr0it alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-0bls9zoz\"><h2 class=\"uagb-heading-text\">Your Life Insurance Questions, Answered<\/h2><p class=\"uagb-desc-text\">Find answers to commonly asked questions about our products and services.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-ejwqoaxq\"><div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-7zl0vhik uagb-faq-icon-row-reverse uagb-faq-layout-accordion uagb-faq-expand-first-false uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-kgekmsrp \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">Do I need life insurance if I&#8217;m single?<\/p><\/div><div class=\"uagb-faq-content\"><p>Yes \u2014 especially if you have debt, co-signers, or loved ones who would handle your expenses.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-edx9oc1k \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">What if I can\u2019t afford a big policy?<\/p><\/div><div class=\"uagb-faq-content\"><p>Start with a small term policy. Something is better than nothing, and you can always add more later.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-anzieetr \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">Can I get coverage if I have a health condition?<\/p><\/div><div class=\"uagb-faq-content\"><p>In many cases, yes. There are simplified and guaranteed issue options available.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-anmdqhth \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">What happens if I stop paying?<\/p><\/div><div class=\"uagb-faq-content\"><p>Term policies usually expire. Permanent policies may have a grace period or draw from cash value. It\u2019s always best to stay in touch with your advisor.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-165ecaca \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">Can I change my coverage later?<\/p><\/div><div class=\"uagb-faq-content\"><p>It depends on your policy. Some permanent policies are flexible, and many term policies allow you to convert or apply for additional coverage.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-bd44f6f6 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">Does the death benefit get taxed?<\/p><\/div><div class=\"uagb-faq-content\"><p>In most cases, no. Life insurance proceeds are usually paid out\u00a0<strong>income tax-free<\/strong>\u00a0to your beneficiaries.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-61c9b78d \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">Can I borrow from my life insurance policy?<\/p><\/div><div class=\"uagb-faq-content\"><p>If you have a permanent policy with built-up cash value, yes, you can borrow against it. Just know that unpaid loans reduce the death benefit.<\/p><\/div><\/div><\/div>\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-oj7hgecj uagb-faq-icon-row-reverse uagb-faq-layout-accordion uagb-faq-expand-first-false uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-f2wrlype \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">Can I have more than one life insurance policy?<\/p><\/div><div class=\"uagb-faq-content\"><p>Yes. Many people carry both a term and a permanent policy to meet different needs \u2014 like protecting income now while building long-term value.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-u753bqsb \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">What happens if I outlive my term policy?<\/p><\/div><div class=\"uagb-faq-content\"><p>The coverage ends when the term ends, but many policies offer a conversion option to switch to permanent life without a new medical exam.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-xvrhlts9 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">Is a medical exam always required?<\/p><\/div><div class=\"uagb-faq-content\"><p>Not always. Some policies offer simplified or no-exam underwriting, but those may come with lower coverage limits or higher premiums.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-swryr0uo \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">Does life insurance cover accidents only, or any cause of death?<\/p><\/div><div class=\"uagb-faq-content\"><p>Most standard policies cover both accidental and natural causes, with a few exceptions like fraud or high-risk activities in the first few years.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-b703dca1 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">Who can I name as my beneficiary?<\/p><\/div><div class=\"uagb-faq-content\"><p>You can name anyone \u2014 a spouse, child, parent, trust, or even a charitable organization. Just make sure it\u2019s someone you trust to handle the funds.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-a470e8b4 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">What if I miss a payment?<\/p><\/div><div class=\"uagb-faq-content\"><p>Most policies have a grace period (typically 30 days). If the payment isn&#8217;t made by then, the policy may lapse. Permanent policies may use cash value to keep it active.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-42381498 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<p class=\"uagb-question\">What\u2019s the difference between the owner, the insured, and the beneficiary?<\/p><\/div><div class=\"uagb-faq-content\"><p>The\u00a0<strong>owner<\/strong>\u00a0controls the policy<br>The\u00a0<strong>insured<\/strong>\u00a0is the person whose life is covered<br>The\u00a0<strong>beneficiary<\/strong>\u00a0is who receives the payout<br><br>Sometimes, all three are the same person, but not always.<\/p><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_9776b7-78, .wp-block-kadence-advancedheading.kt-adv-heading1596_9776b7-78[data-kb-block=\"kb-adv-heading1596_9776b7-78\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_9776b7-78 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_9776b7-78[data-kb-block=\"kb-adv-heading1596_9776b7-78\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_9776b7-78 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_9776b7-78[data-kb-block=\"kb-adv-heading1596_9776b7-78\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1596_9776b7-78 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_9776b7-78\"><\/p>\n\n\n<style>.kadence-column1596_cf367a-ac > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);}.kadence-column1596_cf367a-ac > .kt-inside-inner-col,.kadence-column1596_cf367a-ac > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1596_cf367a-ac > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1596_cf367a-ac > .kt-inside-inner-col{flex-direction:column;}.kadence-column1596_cf367a-ac > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1596_cf367a-ac > .kt-inside-inner-col{background-color:var(--global-palette6, #718096);}.kadence-column1596_cf367a-ac > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1596_cf367a-ac{position:relative;}@media all and (max-width: 1024px){.kadence-column1596_cf367a-ac > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1596_cf367a-ac > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1596_cf367a-ac\"><div class=\"kt-inside-inner-col\"><style>.kt-svg-icons1596_bb09c5-d0 .kt-svg-item-0 .kb-svg-icon-wrap{color:var(--global-palette4, #2D3748);font-size:50px;}.wp-block-kadence-icon.kt-svg-icons1596_bb09c5-d0{justify-content:center;}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons1596_bb09c5-d0 alignnone\"><style>.kt-svg-item-1596_55b5b0-d0 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-1596_55b5b0-d0 .kb-svg-icon-wrap{color:var(--global-palette9, #ffffff);font-size:94px;}.kt-svg-item-1596_55b5b0-d0:hover .kb-svg-icon-wrap{color:var(--global-palette8, #F7FAFC);}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-1596_55b5b0-d0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_leaf\"><svg viewBox=\"0 0 576 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M546.2 9.7c-5.6-12.5-21.6-13-28.3-1.2C486.9 62.4 431.4 96 368 96h-80C182 96 96 182 96 288c0 7 .8 13.7 1.5 20.5C161.3 262.8 253.4 224 384 224c8.8 0 16 7.2 16 16s-7.2 16-16 16C132.6 256 26 410.1 2.4 468c-6.6 16.3 1.2 34.9 17.5 41.6 16.4 6.8 35-1.1 41.8-17.3 1.5-3.6 20.9-47.9 71.9-90.6 32.4 43.9 94 85.8 174.9 77.2C465.5 467.5 576 326.7 576 154.3c0-50.2-10.8-102.2-29.8-144.6z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_ead011-47, .wp-block-kadence-advancedheading.kt-adv-heading1596_ead011-47[data-kb-block=\"kb-adv-heading1596_ead011-47\"]{text-align:center;font-size:36px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_ead011-47 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_ead011-47[data-kb-block=\"kb-adv-heading1596_ead011-47\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_ead011-47 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_ead011-47[data-kb-block=\"kb-adv-heading1596_ead011-47\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading1596_ead011-47 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1596_ead011-47\">Not sure if your loved one had life insurance?<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_24e2ba-8f, .wp-block-kadence-advancedheading.kt-adv-heading1596_24e2ba-8f[data-kb-block=\"kb-adv-heading1596_24e2ba-8f\"]{text-align:center;font-size:30px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_24e2ba-8f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_24e2ba-8f[data-kb-block=\"kb-adv-heading1596_24e2ba-8f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_24e2ba-8f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_24e2ba-8f[data-kb-block=\"kb-adv-heading1596_24e2ba-8f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading1596_24e2ba-8f wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1596_24e2ba-8f\">Look it up <a href=\"https:\/\/content.naic.org\/article\/learn-how-use-naic-life-insurance-policy-locator\" data-type=\"link\" data-id=\"https:\/\/content.naic.org\/article\/learn-how-use-naic-life-insurance-policy-locator\">HERE<\/a><\/h4>\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_c83077-a5, .wp-block-kadence-advancedheading.kt-adv-heading1596_c83077-a5[data-kb-block=\"kb-adv-heading1596_c83077-a5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_c83077-a5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_c83077-a5[data-kb-block=\"kb-adv-heading1596_c83077-a5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_c83077-a5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_c83077-a5[data-kb-block=\"kb-adv-heading1596_c83077-a5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1596_c83077-a5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_c83077-a5\"><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1596_874167-2c, .wp-block-kadence-advancedheading.kt-adv-heading1596_874167-2c[data-kb-block=\"kb-adv-heading1596_874167-2c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1596_874167-2c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1596_874167-2c[data-kb-block=\"kb-adv-heading1596_874167-2c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1596_874167-2c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1596_874167-2c[data-kb-block=\"kb-adv-heading1596_874167-2c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1596_874167-2c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1596_874167-2c\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Life Insurance Really Protects Use this space to add a medium length description. Be brief and give enough information to earn their attention. Life insurance is one of the most thoughtful and lasting ways to take care of your family. Understanding the Two Main Types of Life Insurance Exploring the Types of Life Insurance&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"enable","_kad_post_title":"hide","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"class_list":["post-1596","page","type-page","status-publish","hentry"],"mb":[],"taxonomy_info":[],"featured_image_src_large":false,"author_info":{"display_name":"Haley Atkins","author_link":"https:\/\/realrisktalk.com\/index.php\/author\/haleyatkins-allstate\/"},"comment_info":0,"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"Haley Atkins","author_link":"https:\/\/realrisktalk.com\/index.php\/author\/haleyatkins-allstate\/"},"uagb_comment_info":0,"uagb_excerpt":"What Life Insurance Really Protects Use this space to add a medium length description. 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