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The affordability of term insurance makes it a great early solution for young families with children at home. It is also
great for other short-term needs, including mortgage and other loan protection, and business planning. |
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Whole life provides a level, guaranteed premium with a guaranteed death benefit and guaranteed cash value
accumulations. The cash value that accumulates can be borrowed from the contract if needed. |
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One of the most popular life insurance products due to the flexibility they offer. Premiums can be increased or
decreased – even eliminated for a time. Face amounts can be reduced or increased, all without changing to a
different policy. |
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Annuities are an excellent vehicle for accumulating assets. Interest earned within an annuity is 100% tax deferred.
Some annuities can even provide a stream of guaranteed lifetime income – income that can never be outlived. |
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Final expense policies provide cash to cover financial obligations due at the time of death. Typically, no exam or
blood work is required. These products generally provide a graded benefit during the first few years. |
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The purpose of disability insurance is to replace the lost income should you become disabled and unable to work. |
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Long-term care can mean many different things, but any chronic or disabling condition that requires nursing care or
constant supervision can bring on the need for long-term care services. |
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