Seth ManningLife Insurance SolutionsUnderstand your options.
Start with what matters.
Explore term life, indexed universal life, and final expense insurance with Seth Manning. Read the essentials, watch a short explanation, and choose where to learn more.
Three options. Different purposes.
Start with what you want to help protect, then compare the costs, commitments, and limits of the actual policy.
| Coverage type | Common purpose | Details to discuss |
|---|---|---|
| Term lifeExplore term life ↗ | Protection for a defined period, such as years with income or mortgage responsibilities. | Generally no cash value. Review the term, level-premium period, renewal costs, and any conversion deadline. |
| Indexed universal life (IUL)Explore IUL ↗ | Long-term life insurance with cash value potential and ongoing funding needs. | Review policy charges and crediting limits. Cash value can decline, and insufficient funding can cause lapse. IUL does not invest directly in an index. |
| Final expenseExplore final expense ↗ | Life insurance intended to help loved ones manage funeral costs and other final expenses. | Often offered as smaller whole life policies. Review premiums, eligibility, waiting periods, exclusions, and benefit schedules. |
This is a general comparison, not a recommendation or guarantee of coverage. Costs, benefits, eligibility, and policy terms vary by insurer, product, and state. Review the actual policy before choosing coverage.
Protection for a defined period.
Term life insurance provides coverage for a specified period. It can help loved ones manage a mortgage, everyday bills, and other responsibilities if you pass away while the policy is in force.
- Discuss how long your family may need protection.
- Review benefit amounts, premiums, and your budget.
- Understand expiration, renewal pricing, and any conversion options.
Term life generally does not build cash value. Premiums, eligibility, renewal options, and policy terms vary by insurer and product.
Long-term protection. Details that matter.
Indexed universal life, or IUL, is permanent life insurance with cash value potential. Interest credits may be linked to an index, but your money is not invested directly in that index.
- Understand policy charges and funding requirements.
- Review crediting limits and how interest is calculated.
- Compare guaranteed and non-guaranteed values.
Non-guaranteed values can change. Policy charges can reduce cash value, and insufficient funding can cause a policy to lapse. IUL requires ongoing review.
Prepare for the people you love.
Final expense insurance is life insurance intended to help loved ones manage funeral costs and other final expenses. A conversation can help you consider the benefit amount and premiums in light of your priorities.
- Consider the expenses you want to help loved ones cover.
- Review premiums, eligibility, and benefit amounts.
- Ask about waiting periods, exclusions, and policy limitations.
Benefits, premiums, eligibility requirements, and any waiting periods vary by policy and insurer. Review the actual policy before choosing coverage.
Not sure where to start?
You don’t need to choose a policy before reaching out. Let’s discuss your responsibilities, questions, and budget.