Final expense life insurance provides your beneficiaries with income to help pay for your funeral or other final expense costs.  Without this coverage, your family will either need to use their own savings to pay for your funeral costs or have to possibly pay taxes on the other legacy you leave behind; which may not leave them with enough.

Permanent life insurance will protect you for the rest of your life. Not only will you have income to pass down to your beneficiaries to cover final expenses, but if you end up with a chronic, critical, or terminal illness, you'll have protections for the rest of your life so you don't have to tap into your retirement or savings. 

If the primary homeowner were to pass away unexpectedly, how long can your family maintain their lifestyle and continue to pay the mortgage without having to dip into savings or retirement? Or in case of chronic, critical, or terminal illness like: heart attack, cancer, stroke, or Alzheimer's, how long can the mortgage be paid? Mortgage Insurance Protection protects you, not the bank.

Term life insurance offers coverage for a set period—typically 10, 20, or 30 years—and pays a death benefit to beneficiaries if the policyholder passes away during that time. It’s a popular choice for its affordability, simplicity, and suitability for temporary needs like covering a mortgage or providing for children. However, it does not build cash value, and premiums may rise if renewed after the initial term.