There are several types of life insurance that can provide protection and financial stability for loved ones. Term life offers temporary coverage for a specified period, whole life provides permanent coverage as long as premiums are paid, and universal life allows the policy owner to adjust coverage amounts and premium payments. Final expense insurance lessens the financial burden of final costs and is easy to qualify for up to age 75. EMCC Benefits is an established insurance company that works with carriers to provide clients with the best ratings possible through knowledgeable representatives focused on building long-term relationships.