We strive to help make it easier for you to understand life insurance policies. Don't hesitate to talk to an advisor to help determine what best meets your needs. The most common types of life insurance fall under two major categories: Term Life Insurance, Permanent Life Insurance. Term life insurance: Term life insurance provides coverage for defined periods of time. Permanent life insurance: Permanent life insurance provides coverage that in most cases does not expire. Common policy types are whole life, universal life and variable universal life insurance. Give us a call to hlep you with Insurance questions!