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Term LifeThe 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 LifeWhole life provides a level, guaranteed premium with a guaranteed death benefit and guaranteed cash value accumulations. The cash values that accumulate can be borrowed from the contract if needed. |
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Universal LifeOne 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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AnnuitiesAnnuities 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 – to provide ongoing retirement income. |
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Final ExpenseFinal expense policies provide cash to cover financial obligations due at the time of death. Typically, no exam or blood work is required. These products typically provide a graded benefit during the first few years. |
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DisabilityThe purpose of disability insurance is to replace the lost income from work should you become disabled, and unable to work. |
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Long-Term CareLong 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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