Make sure you are aware of all of your options before choosing your health insurance.

A term life insurance policy takes care of a temporary need for coverage. Term insurance gives you more bang for you buck and can last up to 30 years depending on your current age. 

While a whole life policy tends to cost more upfront, it does just what it says...it lasts your whole life. Whole life policies will build cash value that you can borrow from when you need it. We usually recommend having a combination of term and whole life. 

 Accidental death insurance is a category of life insurance that only pays out a death benefit when the insured is in a covered accident that causes death.

Final expense insurance covers end of life expenses such as burial costs, medical and legal expenses, and money for the beneficiary of your choosing. Final expense coverage is typically for ages 40 to 89.