Life Insurance
I offer a variety of straightforward life insurance policies, including term, whole life, and IUL, backed by 17+ years of experience.
Did You Know?
The 3rd biggest reason why people don’t get life insurance is because they don’t know what type to get
2024 LIMRA Barometer Study
So let’s make this part easier
Let’s Start with The Basics: The 3 Main Types of Life Insurance
Term Life
Coverage that lasts for a set number of years (usually 10, 20, or 30).
If you pass away during that time, your loved ones receive a payout. If the term ends, the coverage ends.
Good for:
Young families raising kids
People with a mortgage or debt
Anyone who wants affordable coverage now
Whole Life
Coverage that lasts your whole life and also builds up a little savings (called “cash value”) over time.
That money is yours, you can use it later if you want.
Good for:
People who want lifelong protection
Those looking to leave something behind
Those who like predictability and stability
Indexed Universal Life (IUL)
A flexible type of lifelong coverage that also grows money on the side.
It is based on the stock market, but without the risk of losing money when the market drops.
Good for:
People planning ahead for retirement and long-term care
Higher-income individuals with savings goals
Those wanting both protection and financial growth
So let’s make this part easier
Let’s Start with The Basics: The 3 Main Types of Life Insurance
Term Life
Coverage that lasts for a set number of years (usually 10, 20, or 30).
If you pass away during that time, your loved ones receive a payout. If the term ends, the coverage ends.
Good for:
Young families raising kids
People with a mortgage or debt
Anyone who wants affordable coverage now
Whole Life
Coverage that lasts your whole life and also builds up a little savings (called “cash value”) over time.
That money is yours; you can use it later if you want.
Good for:
People who want lifelong protection
Those looking to leave something behind
Those who like predictability and stability
Indexed Universal Life (IUL)
A flexible type of lifelong coverage that also grows money on the side.
It is based on the stock market, but without the risk of losing money when the market drops.
Good for:
People planning ahead for retirement and long-term care
Higher-income individuals with savings goals
Those wanting both protection and financial growth
Comparison
Term Life
Last for life: No
Builds Savings: No
Adjustable Plan: No
Budget-friendly
Good for: Temporary Protection
Whole Life
Last for life: Yes
Builds Savings: Yes
Adjustable Plan: No
Higher Cost, Long-Term Value
Good for: Permanent Protection + Cash Value
Indexed Universal Life
Last for life: Yes
Builds Savings: Yes
Adjustable Plan: Yes
Flexible Cost, Growth Potential
Good for: Permanent Protection + Wealth Building
How much coverage is enough?
There’s no one-size-fits-all answer.
But it usually comes down to two things:
Health Information
Financial Goals
You’ll be asked a few questions about your health information and financial goals to figure out the right coverage for you.
I created a free checklist below to helps you feel ready before you talk to anyone.
By submitting this form, I agree to the Terms & Conditions. I understand that I may receive emails and text messages from Stacy Gregory Insurance to help me with my request.
How to Get Started
Book A
Call
Have a 1:1 Consultation
& Evaluation
Feel Protected With
the Right Plan
Not sure what type of life
insurance fits your needs?
Take the quick quiz to find out in less than 2 minutes.
Frequently Asked Questions
Q: What types of life insurance do you offer?
Term Life, Whole Life, and Indexed Universal Life (IUL)
Q: How much coverage do I need?
There’s no one-size-fits-all answer. It mostly comes down to two key things:
1. Your Health Information
2. Your Financial Goals
Q: Can I purchase life insurance for my parents and for my children?
Yes, you absolutely can.
Q: Can I change my life insurance policy later?
You can't change the policy itself, but you can change the beneficiary, address, payer, and owner. You can buy a new policy for more coverage and upgraded benefits.
Q: Can you help me with my old policy?
Yes, I can absolutely help you review your current policy to see if it still fits your needs.
Q: Can we do this over the phone or in person?
Yes, we can do in-home, at my office, over the phone. Whatever makes you comfortable
Our firm is staffed by proven insurance professionals committed to providing our clients with highly personalized service.
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This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.
Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
© 2025 Stacy Gregory Insurance - All Rights Reserved.
Our firm is staffed by proven insurance professionals committed to providing our clients with highly personalized service.
Other Links
Privacy Policy
Receive My Newsletters
I Consent to Receive Newsletters and other Marketing Emails from Stacy Gregory Insurance. You can unsubscribe at any time.
This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.
Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.