Term Life Insurance

Term plans provide coverage for a specific period of time such as five, ten or twenty years. Death benefits are paid if the insured individual passes away within the term selected. Term plans do not have a savings component.

  • Key Benefits:
    • Premiums are less expensive
    • You have many options when choosing how long your term life insurance should last

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Universal Life Insurance

Universal Life Insurance is a flexible policy that allows you to customize both the timing and amount of your premium. Lifetime protection and potential for cash value accumulation give you the freedom to meet your needs today, plan for tomorrow and help protect your family.

  • Key benefits:
    • Amount and frequency of premium payments can be adjusted.1
    • Policy account value grows based on a credited interest rate.2 
    • Withdraw and borrow cash from your policy. Remember to repay funds to avoid decreased cash value and final payout.3
    • Protection tailored to meet your needs. 

Schedule an appointment to learn more.

Indexed Universal Life Insurance

Much like Universal Life, Indexed Universal Life Insurance offers premium payment flexibility and a lifetime of coverage, but with more opportunities to grow your cash value. Earn interest based on the performance of a linked indexed account for the potential to grow your money quicker at a low risk.6

  • Key benefits:
    • Policy does not directly participate in any stock or equity investments.4 
    • Withdraw and borrow cash from your policy. Remember to repay funds to avoid decreased cash value and final payout.
    • Flexibility to switch between different premium allocation options as your needs change over time. 

Schedule an appointment to learn more.

Variable Universal Life Insurance 

Like our other Universal Life products, Variable Universal Life Insurance is flexible and offers lifetime protection — so what’s the key difference? This policy type allows you the most cash value growth potential. Choosing from investment options spanning a range of risk categories, Variable Universal Life offers the most potential to grow with you, but cash value may change depending on the market.

  • Key benefits:
    • Largest cash value growth potential: Account value varies depending upon the performance of the investment options selected.5
    • Withdraw and borrow cash from your policy. Remember to repay borrowed funds to avoid decreased cash value and final payout.
    • Transfer funds among different investment options to develop and update strategies as your life needs change.

Schedule an appointment to learn more.

Long-Term Care Insurance

Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals age 65 or older or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs, such as Medicaid. Long-term care insurance usually covers all or part of assisted living facilities and in-home care for people 65 or older or with a chronic condition that needs constant care. It is private insurance available to anyone who can afford to pay for it.

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Disability Insurance

As its name suggests, disability insurance is a type of insurance product that provides income in the event that a policyholder is prevented from working and earning an income due to a disability.

In the United States, individuals can obtain disability insurance from the government through the Social Security System. They can also purchase disability insurance from private insurers. The right disability coverage protects against lost income while you’re unable to work. This enables you to recover from an illness or injury without worrying as much about missed work. While some employers offer disability insurance as part of employee benefits, many people opt to buy personal policies to make sure they are always covered.

The financial consequences of a lengthy disability could literally cost millions. A 40-year-old worker who makes $75,000 a year and suffers a permanent disability could lose over $2 million in future earnings. People don't hesitate to insure their homes, cars or other valuable possessions, so why not insure something that is much more valuable than all those things?

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1  Within certain limits
2  Interests rates are susceptible to change
3  Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax and certain withdrawals within the first 15 years may be subject to recapture tax. Additionally, policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59 1/2. Cash value available for loans and withdrawals may be more or less than originally invested. Withdrawals are available after the first policy year.
4  Account values vary depending upon the performance of the indexed account options you select
5  Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges (which differ with the product chosen), including surrender charges and investment management fees. Variable universal life insurance products are long-term contracts and are sold by prospectus. They are subject to market risk due to the underlying sub-accounts, and are unsuitable as a short term savings vehicle. The primary purpose of variable universal life insurance is to provide lifetime protection against economic loss due to the death of the insured person. Cash values are not guaranteed if the client is invested in the investment accounts. There are risks associated with each investment option, and the policy may lose value.
6 There is risk as the performance of the underlying Index may result in low segment interest credits that would require increase in premium payments in order to keep the policy in force.