There are many purposes that life insurance can be used for. Just a few include: Provide immediate funds to pay off a mortgage or home equity loan. Provide a “nest egg” to the surviving spouse to draw income from during their later years. Provide an inheritance to children or grandchildren. Pay for funeral expenses and other outstanding debt left behind by a loved one. There are primarily 3 types of insurance that we provide to our clientele: Whole Life Universal Life Term Life We are very selective of the carriers that we represent and the guarantees that they provide to our clients. Our advisors always can feel confident that they are providing some of the best solutions possible.