Understanding the Different Types of Life Insurance
Protect your family. Build your future. Secure your legacy.
At United Front Financial, we believe life insurance isn’t about expecting the worst—it’s about preparing for the best possible future for your loved ones.
Let’s break down the main types of life insurance so you can choose what fits your needs and goals.
1. Term Life Insurance — Simple and Affordable Protection
What it is:
Coverage for a specific time period (usually 10, 20, or 30 years) with fixed premiums.
Best for:
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Families with a mortgage or growing children
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Income replacement during working years
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Budget-friendly coverage
Why it matters:
Term life is the most affordable way to get strong coverage during the years your family depends on your income most.
2. Whole Life Insurance — Lifetime Coverage That Builds Value
What it is:
Permanent life insurance that lasts your entire lifetime as long as premiums are paid. Includes a cash value that grows tax-deferred and can be borrowed against.
Best for:
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Estate and legacy planning
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Final expense coverage
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Long-term financial growth
Why it matters:
Whole life combines protection with predictable growth—offering lifelong peace of mind and financial stability.
3. Universal Life (UL) — Flexibility and Control
What it is:
Permanent coverage that lets you adjust your premium payments and death benefit over time.
Best for:
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People who want flexible premiums
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Those planning for both protection and investment potential
Popular Option:
Indexed Universal Life (IUL) — grows cash value based on stock market performance (without the risk of loss).
Why it matters:
Universal Life gives you control over your coverage and cash value growth to match your changing financial situation.
4. Final Expense Insurance — Simple Coverage for Seniors
What it is:
A smaller, affordable whole life policy designed to cover funeral costs and other final expenses.
Best for:
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Seniors and retirees
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Those with health conditions
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Anyone wanting to ease the financial burden on family
Why it matters:
Final Expense insurance ensures that your loved ones can focus on honoring your life—not paying the bills that follow.
Choosing What’s Right for You
There’s no “one size fits all” in life insurance. The right coverage depends on your age, health, family needs, and financial goals.
At United Front Financial, we take the time to understand your unique situation and recommend a plan that protects your family today—and builds security for tomorrow.
Let’s Protect What Matters Most
Life insurance isn’t just a policy.
It’s a promise—to your spouse, your children, and your future.
Schedule a free consultation today and discover how United Front Financial can help you build a financial shield for the ones you love most.
📞 Call: +1 360-322-4077 ext 1001
📧 Email: terry@unitedfrontfinancial.com
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