Life Point Insurance Partners
Coverage built
around your life.
Whether you need simple, affordable protection or a lifelong policy that builds wealth — we have a plan that fits.
Our plans
Three plans. One promise.
Peace of Mind made Simple — no matter which plan you choose.
Term Life
Simple, affordable protection for a set period of time.
Term life insurance provides coverage for a specific period — typically 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive the death benefit. It is the most affordable way to get substantial coverage.
- 10, 20, or 30-year terms available
- Coverage from $100,000 to $2,000,000
- Level premiums — locked in at purchase
- Convertible to permanent coverage
- No medical exam options available
- Cash value accumulation
- Lifetime coverage
Whole Life
Lifelong protection that builds real cash value.
Whole life insurance covers you for your entire life and builds guaranteed cash value over time. Your premiums never increase, your death benefit never decreases, and you can borrow against the cash value tax-free.
- Guaranteed lifetime coverage
- Builds tax-deferred cash value
- Fixed premiums that never increase
- Borrow against cash value anytime
- Dividends may increase your benefit
- Estate planning and legacy tool
Universal Life
Flexible coverage that adapts as your life changes.
Universal life insurance offers the permanent protection of whole life with the flexibility to adjust your premiums and death benefit as your needs evolve. It also builds cash value that can grow based on market interest rates.
- Adjustable premiums and death benefit
- Permanent lifetime coverage
- Cash value growth potential
- Flexible payment schedules
- Multiple interest crediting options
- Guaranteed fixed premiums
Side by side
Compare all plans
| Feature | Term Life | Whole Life | Universal Life |
|---|---|---|---|
| Lifetime coverage | |||
| Builds cash value | |||
| Fixed premiums | |||
| Flexible premiums | |||
| Affordable starting cost | |||
| Borrow against policy | |||
| Estate planning tool | |||
| Convertible option |
Common questions
We have answers.
How much life insurance do I need?
A common rule of thumb is 10-12x your annual income. However, your ideal coverage depends on your debts, dependents, income replacement needs, and long-term goals. Our agents can help you calculate the right amount.
Can I have more than one policy?
Yes. Many families combine a term policy for large, temporary needs (like a mortgage) with a whole life policy for permanent protection and cash value growth.
What happens if I miss a premium payment?
Most policies include a grace period of 30-31 days. Whole and universal life policies may also use accumulated cash value to cover missed premiums.
Is the death benefit taxable?
In most cases, life insurance death benefits are received income-tax-free by your beneficiaries. Estate taxes may apply in certain situations — consult a tax advisor for your specific circumstances.
How quickly can I get covered?
With our no-medical-exam options, you can get covered in as little as 24-48 hours. Traditional underwriting typically takes 2-6 weeks.
Ready to protect your family?
Peace of Mind
made Simple.
Get a personalized quote in under five minutes. No pressure, no jargon.