“Quility” is a brand name used by the Quility family of companies. All insurance offers, solicitations, and recommendations made via this website are being made by Quility’s licensed affiliated insurance producers, Symmetry Financial Group, LLC (d/b/a Symmetry Insurance Services in California) and Brandon Ellison. No offers, solicitations or recommendations are being made via this website in any state where one of those named Quility licensees does not have a license. Please see our License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a Symmetry Insurance Services in California) and Brandon Ellison’s license numbers in each state.

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What is the difference between term and permanent insurance?
Term insurance offers coverage for a specified period of time (10, 15, 20, or 30 years) for a flat fixed monthly premium. Permanent insurance is coverage that remains in place until you die, accumulates a cash value, and often offer additional investment advantages and opportunities often used for retirement.

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What is the best type of life insurance for retirement investing? 
While life insurance is always a good investment to protect your loved ones after death, permanent life insurance policies such as whole life and universal life insurance offer the additional advantage of accumulating a cash value with different investment options that can be used for income during retirement.

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