Life Insurance

Term Life Insurance

Concept

“If” I die during the term, provides a payment to my beneficiary.

Cost

Lowest cost for the highest death benefit.

Approach

Temporary need for protection.

Types

10, 15, 20, 30-year level.

Living Benefits

Ability to accelerate death benefits while alive to help pay for terminal, chronic, and critical illnesses.

Modern

Instead of just a death focus, life insurance has evolved into more of a “life event” concept.

Permanent Life Insurance

Concept

“When” I die, provides a payment to my beneficiary.

Cost

Higher initial cost, lower long-term cost.

Approach

Long-term need for protection.

Types

Whole Life, Universal Life, Fixed Indexed Universal Life.

Living Benefits

Ability to accelerate death benefits while alive to help pay for terminal, chronic, and critical illnesses.

Cash Value

Ability to grow cash, tax-advantaged.

Life Insurance

Protection for your family’s financial health and future in the event of an untimely death. Available term plans include 10, 15, 20 and 30 year guaranteed level premium options.

Term Life
Whole Life
Universal Life
Fixed Index Universal Life

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