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Joe Jeannette President Cartier Financial Services
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Jeremy Jeannette Vice President of Life and Health Sales
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Tom Cartier President
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Mike Spehar Personal Lines Account Executive
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What is the difference between Term Life Insurance and Permanent Life Insurance?

Term Life Insurance is purchased for a specific number of years (10-, 20- or 30-year term). If a person dies within the specified term the beneficiary receives the death benefit. If a person outlives the specified term, the policy ends.

Permanent Life Insurance is good for the life of the insured. Permanent life insurance builds cash value that is available at any time during the life of the insured.

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