Term or whole life: where should you start?

Start with the job you need coverage to do

For families in Ohio and Pennsylvania, the first question is simple: what would your family need help paying for if you were gone? Write down the goal before comparing policies.

A set period or a longer-term need?

Term life provides coverage for a defined period. It can fit a need with an end date, such as years of income support. Most term policies do not build cash value.

Whole life is a type of cash-value insurance designed for long-term protection. Compare its required premiums, guarantees, and policy terms rather than assuming every permanent policy works the same way.

Three questions to bring to your call

How long do I need coverage? What payment can I comfortably maintain? Which benefits and premiums are guaranteed?

If you already have coverage, bring that policy to the conversation. Do not cancel it before replacement coverage is in place.