Life insurance that’s shaped to you
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Keep your family financially covered, no matter what happens
Life insurance makes sure that your family's fiscal future and well-being stays protected today, tomorrow and beyond.
TERM LIFE INSURANCEProvide a reliable safety net with term life insurance
Term life insurance lets you buy a policy that protects your interests for 10-30 years ─ so if your family's growing and accumulating assets, you're covered and so are they.
PERMANENT LIFE INSURANCEMaintain consistent premiums with permanent life insurance
With permanent life insurance, premiums go toward the death benefit and cash value of a permanent life insurance policy. This acts as a savings account with annual returns that accumulate over a lifetime.
UNIVERSAL LIFE INSURANCEEnjoy more flexibility with universal life insurance
Universal life insurance is a flexible form of permanent life insurance that offers adjustable premiums and death benefits, as well as a cash value component that accumulates over time.
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Term life insurance is a type of life insurance policy that provides coverage for a specific period or term, such as 10, 20 or 30 years. If the policyholder passes away during the term, the policy pays out a death benefit to the beneficiaries. This type of insurance is often chosen for its simplicity and lower premiums compared to other types of life insurance. It's typically used to cover specific financial responsibilities like a mortgage or education expenses. A VIU by HUB Advisor can help you compare term life insurance quotes quickly and easily.
Whole life insurance is a type of permanent life insurance that provides coverage for the policyholder's entire life, as long as premiums are paid. In addition to the death benefit, it includes a savings component known as cash value, which grows over time and can be borrowed against. Whole life insurance typically has higher premiums than term life insurance but offers lifelong coverage and the ability to accumulate cash value. A VIU by HUB Advisor can help you compare whole life insurance quotes quickly and easily.
Universal life insurance is a type of permanent life insurance with more flexibility than whole life insurance. It provides a death benefit and includes a savings component but allows policyholders to adjust their premium payments and death benefits within certain limits. The cash value of the policy earns interest and the policyholder can use the value to pay premiums or let it accumulate. A VIU by HUB Advisor can help you compare universal life insurance quotes quickly and easily.
Whether you need life insurance depends on your personal and financial circumstances. If you have dependents, significant debts or want to leave a financial legacy, life insurance can provide financial security for your beneficiaries. It's particularly important for those whose death would create a financial burden, such as loss of income, for others. A VIU by HUB Advisor can help you compare policies and find the right life insurance in no time.
The cost of life insurance depends on several factors, including the type of policy, the amount of coverage, the policyholder's age, health, lifestyle and the length of the policy term for term life insurance. Generally, term life insurance is less expensive than whole or universal life insurance. Getting quotes from multiple insurers is the best way to determine the specific cost for your situation. A VIU by HUB Advisor can help you compare policies to find the best price and coverage package.
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