Life insurance
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Term life
Term life insurance is an affordable life insurance policy that covers you for a specific time frame. Typically 20 - 30 years. This type of plan is incredibly popular as they can be converted in into permanent plans or can refund premiums at the end of the term. This type of plan can be ideal for a family who, in 20 - 30 years, will have grown children and a paid off house. With policies as low as $20 a month for a $500,000 death benefit, term life insurance is easy to fit it into almost any budget.
Whole/universal life
Whole/universal life insurance policies are far more expensive than their term life counterparts but are permanent and as a living asset. When premiums are paid a portion of your money goes into an interest bearing cash value with which you can secure loans, making it a living asset. While considerably higher in price whole/universal life is commonly thought of as your "nest egg" type of policy.
Final Expense
Final expense life insurance polices have considerably lower death benefits. Typically $5000 - $20,000. The are easier to qualify for and are meant to cover funeral, cremation and burial expenses. Final expense plans are ideal for older folks who do not want their loved ones left with the financial burden of funeral and final costs and/or may not qualify for traditional life insurance.