Life Insurance
Permanent or Term Life Insurance: Which Makes Sense?
The right answer depends on what the coverage needs to do and for how long.
Term tends to win when…
Your need is tied to a specific time period — paying off a mortgage, raising children, or replacing income during your working years.
Permanent tends to win when…
You want lifelong protection, are building an estate plan, or want a tax-advantaged way to build cash value alongside the death benefit.
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.