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Types of Life Insurance and Annuities JCI Offers

Welcome to JCI Agency Life Insurance Portal We are happy that you have considered us as a choice for your Life insurance Needs.

Life Insurance is a legal contract between an individual or business and an insurance company that provides financial protection for the life of oneself or another person. In exchange for the policy owner’s regular payments into the policy, the insurance company agrees to pay a benefit upon the death of the insured according to the terms of the policy.

Life insurance may also offer living benefits. Some policy features include being able to access money in the policy prior to death and/or being able to use the death benefit to pay for the treatment of a critical, chronic, or terminal illness.

Term Insurance

There are various types of term insurance policies available. Many policies offer level premiums for the duration of the policy, such as ten, 20, or 30 years. These are often referred to as “level term” policies. A premium is a specific cost, which is typically monthly, that insurance companies charge policyholders to provide the benefits that come with the insurance policy.

Return of Premium Term Insurance

A return of premium life insurance policy is a type of term life insurance, meaning it lasts a set period of time and then expires. Unlike traditional term life insurance, however, return of premium insurance returns your premiums at the end of the term.

Permanent Life Insurance

Permanent life insurance is an umbrella term for life insurance policies that do not expire. Typically, permanent life insurance combines a death benefit with a savings portion.


An Annuity is an insurance product designed to pay out a lump sum or stream of payments to an individual. Annuities offer varying accumulation crediting and distribution options for example the policy owner may pay into an annuity all at once or a series of payments via the rollover of a 401K or any individual retirement account.

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