Consider term life insurance for a client who:

• Has short-term protection needs, usually 10 to 40 years
• Has a conservative low-risk profile
• Only needs death benefit coverage
• Keeps budget top of mind

Consider universal life insurance for a client who:

• Needs long-term protection with premium flexibility
• Wants extras like chronic illness coverage or cash value growth potential
• Is an empty nester or retiree
• May be affluent

Consider indexed universal life insurance for a client who:

• Needs long-term protection and death benefit coverage
• Wants cash value growth potential
• Is willing to pay flexible premiums in more complex case designs
• Wants access to extra coverage

Consider whole life insurance for a client who:

• Needs lower face amounts and guaranteed coverage
• Wants instant death benefit protection
• Is a senior
• Want to protect their loved ones