Take your burdens with you

Life insurance can pay expenses when you’re gone. Think about your funeral, private or co-signed student loans, and any other debt. And if you outlive your single days, you’ll diversify savings early and lock in a lower cost while you’re young and healthy.

Help your spouse continue the lifestyle you’d created. 

Life insurance can replace your income, covering your portion of the ongoing expenses they’ll still have. And it can pay for large expenses, like the funeral, or personal or shared debts like a mortgage.

Give them the same experiences and opportunities

Life insurance can’t replace a parent, but it can help with final expenses and replace income. Then others can afford to raise the kids as you’d planned, save for college and emergencies, and pay for family responsibilities you handled.

Safeguard the retirement of your dreams

Life insurance can still help replace income, pay for final expenses, and address debt, so your spouse can afford retirement on their own. And living benefits can also help with unexpected medical costs, so you don’t dip into retirement savings too soon.

Live the lifestyle you earned, and leave a legacy, not a liability.

Life insurance can help you leave a legacy— inheritance to loved ones or charities instead of debts and bills. And until then, certain policies can supplement retirement income and provide access to cash if you become chronically ill.

Protect your business, your employees, and your lifestyle.

Life insurance can fund business succession strategies, supplement your retirement savings, protect and reward key employees, cover debts for creditors, and more.

Temporary insurance plans with Low-cost death benefit protection. Conversion privileges to permanent life insurance products are offered with some plans. 

Permanent life insurance protection with guaranteed level premiums, cash value growth, and death benefit. Some policies pay dividends that can be used to reduce premiums or increase cash values and death benefits.

Offers clients permanent protection with flexible payments, adjustable coverage, and oftentimes cash value growth.

Offers the flexibility and guarantees of traditional Universal Life with greater cash value growth potential. Participate in stock market growth without being exposed to its loses. 

A basic life insurance policy that covers people until they reach the age of 100 or 121. It is an easy insurance to obtain, that doesn't require a medical exam with a short and sometimes instant approval process. 

Corporate Owned Life Insurance is a product designed for a variety of uses. It can be used to finance business succession plans or buy-sell agreements, nonqualified deferred compensation plans for executive leaders, and to protect the organization from the financial loss of key employees.

A cash value life insurance policy can provide a source of tax-free income to supplement taxable income from assets such as a 401K, or individual retirement account (IRA). Life insurance also offers the following benefits:

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• Income tax-free death benefit to your beneficiaries
• Tax-deferred cash value growth
• No penalty for withdrawals prior to age 59 1/2
• No income-based funding limits 

Select life insurance policies include an additional coverage option that allows you to receive a portion of the death benefit typically paid at your death if you are diagnosed with a chronic illness. It gives you a way to offset medical costs while preserving your retirement nest egg for you and your family. 

Most assets take time to accumulate value. With life insurance, there is no build-up period. Your policy's death benefit is available to your loved ones whether you've been paying premiums for 40 years or just one.