with Jordan Cramer
What I do differently than other advisors; is I help my clients truly understand why they need life insurance and then make sure that only the Proper Life Insurance is applied for.
Helping my clients build a customized solid foundation for
them that is tailored for each one individually.

-Term life insurance is a type of life insurance that provides coverage for a specific period of time, or "term." If the policyholder dies during the term of the policy, the insurer will pay out a death benefit to the designated beneficiary. Term life insurance policies do not have a cash value component, meaning that they do not build up a savings or investment component like some other types of life insurance.
- Permanent life insurance, on the other hand, provides coverage for the entire life of the policyholder. This type of Permanate life insurance does include a cash value component, which means that a portion of the premiums paid by the policyholder goes into a savings or investment account that can be accessed by the policyholder while they are alive. There are several different types of permanent life insurance, including whole life, universal life, variable universal life, and index universal life insurance. One key difference between term life insurance and permanent life insurance is the length of coverage. Term life insurance provides coverage for a specific period of time, while permanent life insurance provides coverage for the entire life of the policyholder. Another difference is the presence of a cash value component in permanent life insurance, which allows the policyholder to access the savings or investment component of their policy while they are alive.

www.ProperLifeInsurance.com
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