Term life insurance is life insurance specified for a period of time and does not have a cash value feature, but can later transfer into a permanent policy if you choose.

Permanent life insurance is insurance designed to provide life insurance for the duration of your life, although some may not last as long as you need them, and they contain a cash value feature.
Feel free to contact our office to discuss what type of life insurance is right for you at this point in your life. We will be glad to discuss the variables and features to find the right fit for your needs.