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 Life insurance is a powerful means to many ends. From protecting your family or business, to saving money for college education or retirement, it can provide you the financial peace of mind you and your family deserve.
There are two main forms of life insurance:
- Permanent Life - Permanent life insurance is exactly that. It's a permanent policy of life insurance, in which a premium is paid to the insurance company with the idea that
 in the event of the insured's death, the company will pay a pre-defined amount to the specified beneficiary.
- Term Life - Term Life Insurance is temporary. It provides protection for a temporary period such as 1, 5, 10, 20, 30 years. If the insured dies during this time period, the face value is paid to the beneficiary.
There are many variations of both forms, and these are the most popular:
| Permanent |
Term |
| Whole Life |
Yearly Renewable Term |
| Universal Life |
5, 10, 15, 20, or 30 Year Term |
| Variable Life |
Term to age 65
Decreasing Term, Reentry Term, Level Term |
Many companies offer discounts on life insurance for individuals who are nonsmokers or who have a history of good health.
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© 2009 MOCrop Insurance | Burgher Insurance
MOCrop Insurance & Burgher Insurance are equal opportunity providers. All rights reserved.
2709 E Liberty | Mexico | MO 65265
Toll Free: 1.800.633.6540
Tel: 573.581.4420 | Fax: 573.581.7264
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The U.S. Department of Agriculture (USDA), MOCrop Insurance and Burgher Insurance prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or part of an individual’s income is derived from any public assistance program. (Not all prohibited bases apply to all programs). Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at (202) 720-2600 (Voice and TDD).
To file a complaint of discrimination, write to USDA, Director, Office of Civil Rights, 1400 Independence Avenue, S.W. Washington, DC 20250-9410, or call (800) 795-3272 (voice) or (202) 720-6382 (TDD). USDA is an equal opportunity provider and employer.
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