What is Life Insurance and Why Do Connecticut Families Need It?

Watch this 3 minute video where I explain what life insurance is, why it’s important, and how Connecticut families can choose the right coverage for their needs.

There are three main types of life insurance: Term Life, Whole Life, and Universal Life—each designed to meet different needs, budgets, and stages of life. Let’s take a quick look at how they work.

If you’re looking for affordable coverage that protects your loved ones during key life stages, like raising a family or paying off a mortgage, term life insurance may be a great fit.

It offers a set amount of coverage for a specific period, such as 10, 20, or 30 years. I often recommend this option for folks who want cost-effective protection during their peak earning years.

Whole life insurance offers lifetime coverage and includes a built-in savings component called cash value. This type of policy can be a smart long-term option for Connecticut residents who want stable premiums and financial growth.

Many of my clients like whole life coverage for its consistency and the peace of mind it provides their families.

For those who want lifetime protection with flexibility, universal life insurance offers adjustable premiums and the ability to build cash value.

It can adapt with your needs over time and is great for folks who expect their financial picture to change. I help families from all over Connecticut understand if universal life is the right fit for their long-term goals.