Life insurance is one of the most powerful tools for protecting your family and building a legacy—but the options can feel overwhelming. One of the first decisions you’ll make is choosing between term and whole life insurance.
Here’s a simple breakdown to help you understand the difference:
Term Life Insurance
- Covers you for a specific time period (like 10, 20, or 30 years)
- Usually the most affordable option
- Great for young families or anyone wanting solid protection without a high monthly cost
- If you pass away during the term, your beneficiaries receive the payout
Whole Life Insurance
- Lasts your entire life
- Comes with a cash value component that builds over time
- Premiums are higher, but it provides lifelong coverage and can be used as a financial tool later in life
The best choice depends on your goals, budget, and stage of life. Some families even blend both to get the best of both worlds.
Not sure where to start? I’ll walk you through it with no pressure. Just a conversation to see what fits your situation best.
Reach out to schedule your free coverage review or ask me your questions—no strings attached.
Maggie Espindola 
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