Term Life Insurance

May make sense for those who have budget limitations, large protection needs or temporary need.

OFFERS:

  • Guaranteed death benefit for a fixed period3
  • Fixed premium.
  • No cash value.
  • Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.
  • Initial premiums tend to be lower but will eventually increase.

Universal Life Insurance

May be ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits.

Increasing the death benefit may be subject to additional underwriting approval.

OFFERS

  • Flexible death benefit
  • Flexible premium
  • Policy cash values are credited a current interest rate that is set by the insurance company, which is subject to change, but will never be lower than a guaranteed minimum interest rate.3

Index Universal Life Insurance

May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

Increasing the death benefit may be subject to additional underwriting approval.

OFFERS

  • Flexible death benefit
  • Flexible premium
  • Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.4
  • Downside protection through minimum guarantees3 to ensure that your cash value will not decline due to decreases in the Index.

Final Expenses Insurance

Purchasing a final expense life insurance policy  is easy, and your age and health may not affect your approval for coverage. We offer the following three policies:
 
  • Immediate solution
  • 10-Pay solution
  • Easy solution 
 
Advantages of  final expense life insurance policies: 
 
  • No waiting period for coverage to begin
  • No increase in premium due to age

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