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Life insurance can make a huge difference for you and your family, not just financially but emotionally, too. Purchasing a policy sooner, rather than later, will give you more options and flexibility as well as the financial security you'll need in the future. Life insurance is an agreement between you and your insurance company. You make regular payments, called premiums, and insurance company pays your beneficiaries a tax-free lump sum of money when you die. With some policies, you get additionalbenefits to use during your lifetime like accessing the policy's cash value, which can be used for a down payment on a home. However, accessing the cash value will reduce the policy's available cash surrender value and death benefit. You can accelerate death benefits and us them for health care needs. Get peace of mind for what matters most by discovering the different ways life insurance can help provide protection for you and your loved ones.