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<td height="4" width="425"><font size="2" face="Verdana, Arial, Helvetica, sans-serif"><b><font color="#000000"><img src="../../images/2x2.gif" width="10" height="12"></font><font face="Arial, Helvetica, sans-serif" size="3" color="#CCCC00"><b><font color="#000000" size="2">Life
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<TD valign="bottom"><B><FONT face="Arial, Helvetica, sans-serif"><FONT size=-1>Term
Insurance</FONT></FONT></B></TD>
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<TD valign="bottom"><FONT face="Arial, Helvetica, sans-serif"><FONT size=-1>Term
insurance is generally purchased for a short-term period or for a
specific number of years. Term insurance does not build cash
value and is not ideally designed for providing coverage into the
later years of life thus, term insurance is less expensive than permanent
insurance. Common types include <A href="annual_renew_term.htm">annual
renewable term</A>, <A href="level_term.htm">level term</A>
and <A href="credit_life.htm">credit insurance</A>. </FONT></FONT></TD>
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<TD height="32" valign="bottom"><B><FONT face="Arial, Helvetica, sans-serif"><FONT size=-1>Permanent
Insurance</FONT></FONT></B></TD>
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<TD><FONT face="Arial, Helvetica, sans-serif"><FONT size=-1>Permanent
insurance is intended to stay in force until your death. A portion
of the premium is allocated as an investment which accumulates like
a savings account. Because of this and the fact that insurance companies
almost always pay out the death benefit, permanent insurance costs
more than term insurance in the short run, however, it is generally
more cost effective over the long term. Common types include <A href="whole_life.htm">whole
life,</A> <a href="variable_life.htm">variable life</a>, <A href="universal_life.htm">universal
life,</A> and <a href="survivorship_life.htm">survivorship life</a>
insurance.</FONT><FONT face="Arial, Helvetica, sans-serif"><FONT size=-1>
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<TD height="32" valign="bottom"><B><FONT face="Arial, Helvetica, sans-serif"><FONT size=-1>Annuities</FONT></FONT></B></TD>
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<TD><FONT face="Arial, Helvetica, sans-serif"><FONT size=-1>While annuities
offer a death benefit, they are not life insurance. Annuities are
a retirement planning tool where you pay in during your working years
in order to receive a monthly income after you retire. The death benefit
is only paid if you die before retirement age. </FONT></FONT>
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