Protection for what matters most
Life will never be free from uncertainty. But when uncertainty is minimized, life can be maximized. No matter what stage of life you are in, if someone depends on you financially, you should consider reducing their uncertainty by protecting them with life insurance. In the event of a tragedy, life insurance proceeds can:
- Help pay the bills and meet ongoing living expenses
- Pay off outstanding debt, including credit cards and your mortgage
- Finance future needs like your children's education
- Protect a spouse's retirement plans
- Attract and retain key employees
Provide Protection and More
Our life insurance products include index universal life, universal life, whole life, term life and variable universal life insurance. Each product type has its own advantages and disadvantages. They all protect the people you care about the most. However, some can do more, such as build cash value, earn dividends or provide an accelerated death benefit you can use while you are living. Life insurance can become the basis for a solid financial plan.
Index Universal - insurance policy that gives the policy holder the opportunity to allocate cash value amounts to either a fixed account or an equity index account.
Universal - type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element (like whole life insurance)
Whole - Life insurance that pays a benefit on the death of the inured and also accumulates cash value
Term - Life insurance that pays a benefit in the event of a death of the insured during a specified term
Variable - Permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts available in the policy.