Joint Whole Life Affordable (cost 25%/35% less) Pays out when needed most Helps meet short term and long term goals Term Insurance $100,000 up to 5 million dollars Last 10 or 20 years Ideal for Debt Education Loss income Permanent Coverage $25,000/$100,000 Guaranteed pay out Ideal for Legacy Final expense Supplementing lost social security benefits Cash Value Account Grows like equity in a house Gives you options for the later years in life Paid up policy Take the cash Supplement your retirement or even sell it