Which insurance is right for you?
Would your loved ones be financially secure if life took an unexpected turn? Get peace of mind with reliable coverage built to protect your family’s future.
Final Expense
Protect what matters most and relax with confidence.
Guaranteed Issue
Protection that grows with you and your loved ones.
Term Life
Peace of mind for every stage of your life.
TERM VS. WHOLE LIFE INSURANCE
Finding the right life insurance is a smart move for your future. Understanding the differences between term and whole life insurance helps you make the best choice. At Aflac, we offer a range of flexible life insurance options to fit your unique needs.
Did you know? In January 2023, LIMRA reported that 52% of Americans have life insurance—whether through personal plans or employer coverage. Choosing the right policy can make a big difference for your retirement and your family’s financial security.
What is Term Life Insurance?
Term life insurance covers you for a set period—usually 10 to 30 years. If you pass away during this time, your beneficiary receives a payout. It’s generally more affordable than whole life, since it only pays out if it’s within the term. We’re hoping you outlive it, but if not, it provides valuable support for your loved ones.
One of the perks? You can choose the term length that fits your life stage, which often keeps costs lower. That’s why term life insurance is popular among young families for its lower premiums and flexibility and can be a smart option for seniors with specific long-term plans.
Not sure what you need? Learn in seconds which types of insurance match your needs.
What is Whole Life Insurance?
Deciding between term and whole life insurance? Here’s the scoop on whole life insurance:
Whole life covers you for a lifetime, which means a guaranteed payout and steady premiums that never change. Plus, it’s more than just coverage—it’s an investment. Your policy’s cash value grows tax-free over the years, adding a financial boost you can count on.
With no need to pick a term length and a tax-deferred growth account, whole life insurance is a popular choice for those looking to build long-term financial security.
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