Life Insurance is a flexible and sophisticated protection tool with the potential for significant asset accumulation. We offer a wide variety of innovative life insurance products designed to help Americans live their lives with financial independence. Our products include traditional universal life, single premium options, affordable term coverage, and fixed index universal life. Our products are designed to offer flexibility and control over your assets and provide you with the knowledge that your family will be protected after you are gone.

The basics of life insurance are simple: You choose how much coverage you want. You purchase that coverage from an insurance company. The company then pays the death benefit to your beneficiaries in the event of your death. After that, the details of which policy to choose can get more complicated, depending on your protection needs and overall financial planning goals.

Features include:
» Accumulation potential
» Protection against the financial risk of dying too soon
» Distribution of retirement income that you may not outlive

Life Insurance Choices
Our insurance carriers offer three different types of life insurance: term, universal life and variable universal life. There are variations available within each. You can make the right choice for you by understanding what is different about the types of life insurance.

Term Life Insurance
With term life insurance, you purchase coverage for a set amount of time, such as 10, 15, 20 or 30 years, at a set premium or cost. When the time is up, you are able to renew at a higher premium. It usually is the least expensive choice if you need coverage for a specified time period. However, term life insurance does not build cash value. Premiums will increase after your initial term period expires. Also, it can be a more expensive choice if you should need long-term coverage.

Universal Life Insurance
With Universal Life Insurance, you can purchase coverage for a selected period, or lifetime coverage, with a flexible premium. You also have the ability to access your cash value during your lifetime. The flexible premium product has higher initial premium than term life insurance. However, please remember that Performance can be impacted by market fluctuations.

Fixed Index Universal Life Insurance
This type of insurance offers innovative fixed-index universal life insurance products. FIUL provides affordable permanent life insurance protection with the potential for gains to your accumulation value, while providing a guarantee of your principal. A fixed index universal life insurance policy can meet the more immediate concerns that you may have, such as:

» What if I have an accident or a serious injury that keeps me from working?
» How will I pay the bills during my recovery?
» If I have a heart attack or get cancer, how will I cover the costs of treatment and still take care of my family?
» Powerful accumulation potential using fixed-index crediting methods that could increase the value of your policy,    which you can use as a retirement income stream.
» Choose-a-Guarantee, for exceptional control over your death benefit coverage.
» Premium payments are not required after age 100.
» Flexible premium and optional riders for a personalized plan of insurance. Optional riders may be available at an    additional cost.

Although all life insurance policies provide a death benefit, no policy can be “one size fits all.” It is our goal to help you to make the selection that matches your goals and objectives. Guarantees are backed by the financial strength and claims paying ability of Insurance Companies. To learn more about the Life Insurance products we currently have available, please contact us directly or fill out the form for additional information.