Looking Beyond The Low Initial Cost of Term Insurance

From Corebridge Financial

A reminder to look past the short-term affordability of term insurance and focus more on what the client actually ends up with long term. While term can solve an immediate need at a lower cost, it often results in no coverage and no value once the term period ends.

In contrast, permanent solutions like IUL—especially with return of premium features—offer lifetime protection, build cash value, and provide more flexibility over time. It also points to using a combination of term and permanent coverage as a way to keep things affordable while still creating long-term value.

The overall takeaway is to shift the conversation from just price to the bigger picture of what the policy is doing for the client over time.

The Life Team at 833-984-4225 or [email protected]