Life     by Dan Muhlenkamp

Understanding the products offered:

Term Insurance– This is a policy that you purchase for specified time period. At the end of the time period, the policy will be eliminated and no longer be in force. This is the most inexpensive form of life insurance because most people will outlive the term.

Whole Life Insurance: This is a policy that is designed to be in force for your “whole” life. This policy will accumulate some cash value that you can utilize in case of emergency.

ROP (return of premium) This is a combination of both term and whole life. You have the option to get all of your premiums paid back to you at the end of the term or you can convert the policy into a whole life policy and pay no additional premium for the remainder of the policy. Many people view this product as a forced savings account and love the idea of getting all their money back at the end of the term.

Talk to us about our money saving Auto & Home Insurance programs too!  


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