Life insurance is a contract that pays a death benefit to your beneficiaries when you pass away, helping replace lost income, cover debts, and preserve your family’s standard of living. It can also build cash value over time (in permanent policies) that you may access during your lifetime
Term Life offers temporary coverage for 10–30 years, guaranteeing a death benefit if you die during the term.
Indexed Universal Life combines permanent protection with market‑linked cash‑value growth.
Final Expense provides small whole‑life benefits for funeral and end‑of‑life costs
Temporary coverage for a fixed period (typically 10–30 years) with level premiums Corebridge Direct.
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Pros: Most affordable option; ideal for income replacement, mortgage protection, or education funding Corebridge Direct.
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Cons: No cash value accumulation; coverage ends when the term expires unless renewed at higher rates Corebridge Direct.
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Permanent policy combining lifetime protection with cash value growth linked to market index performance, protected from market losses Corebridge Direct.
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Pros: Flexible premiums, adjustable death benefit, potential tax‑deferred cash accumulation Corebridge Direct.
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Cons: More complex; performance caps and participation rates affect growth Corebridge Direct.
Small whole‑life policy designed to cover funeral costs and final bills; guaranteed approval for ages 50–80 without medical exams Corebridge Direct.
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Pros: Simplified underwriting; premiums and benefit amounts are fixed for life Corebridge Direct.
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Cons: Limited face amounts (usually $5K–$25K); higher cost per dollar of coverage
Life insurance is a contractual agreement where you pay regular premiums in exchange for a death benefit paid to your beneficiaries when you pass away Liberty Mutual. Beyond income replacement, certain policies build cash value over time, offering living benefits that you can access before death Investopedia.Â
Accelerated Benefit Riders (ABRs) let you access part of your death benefit early if you’re diagnosed with a qualifying chronic, critical, or terminal illness Corebridge Direct. These funds can cover medical bills, home care, or daily expenses, providing a lifeline when you need it most Corebridge Direct.
Ensures your family can maintain their lifestyle if your earnings cease unexpectedly
Prevents loved ones from inheriting your liabilities, like home loans or credit balances
Eases the financial burden of funerals and medical bills with dedicated final expense plans
Facilitates tax‑efficient wealth transfer to heirs or charitable causes
Complete an online quote (answers in minutes) Ethos Life, answer health questions Investopedia, upload documents protective.com, e‑sign electronically Ethos Life, and await approval—your policy activates upon first payment in days for instant peace of mind 
Use our online tool for instant, no‑obligation quotes on term, IUL, and final expense plans Corebridge Direct
Receive personalized guidance and help refining coverage amounts and riders Corebridge Direct.
E‑sign documents online in minutes—many applications bypass the medical exam Corebridge Direct.
Rapid decisioning with real‑time status updates; policy issues within days Corebridge Direct.
Keep your coverage aligned with life changes
Get your personalized quote in under five minutes and see how living benefits can work for you today.
Life Agent USA is an independent life insurance agency powered by Corebridge Direct, offering fast online quotes, built‑in living benefits, and personalized guidance from Nikki Somo to secure your family’s future.
Life Agent USA’s dedicated Client Care team is here for you Monday–Friday, 7 am–8 pm CTÂ
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