LIFE INSURANCE

Help protect the future you’re building together.

Life insurance can help protect the financial future of the people who depend on you and support the plans you’ve made together if you’re no longer there.

Life insurance may help you more than you think.

Replace income: Help your family manage everyday expenses if you're no longer there.
Pay major expenses: Help with a mortgage, debt, education, or other financial obligations.
Leave legacy: Provide financial support to people or causes you care about.
Prepare for the unexpected: Some policies may offer benefits you can access during your lifetime if certain qualifying events occur.

Explore your life insurance options.

The right type of life insurance depends on what you want to protect, how long you need it, and what you want your policy to do.

Whole Life Insurance

These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.
Offers:
Guaranteed death benefit
Guaranteed policy cash value
Potential additional cash value by the receipt of any dividends declared by the company.
Although not guaranteed, dividend payments are generally declared annually by the company.
Level premiums that are guaranteed to never change.

Universal Life Insurance

May be ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits.
Increasing the death benefit may be subject to additional underwriting approval.
Offers:
Flexible death benefit
Flexible premium
Policy cash values are credited a current interest rate that is set by the insurance company, which is subject to change, but will never be lower than a guaranteed minimum interest rate.

Indexed Universal Life Insurance

May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.
Increasing the death benefit may be subject to additional underwriting approval.
Offers:
Flexible death benefit
Flexible premium
Cash value has the potential to grow based on an interest crediting strategy that is tied to changes in a participating market index such as the S&P 500.
Downside protection through minimum guaranteesto ensure that your policy's potential cash value will not decline due to decreases in the participating market index.

Term Insurance

May make sense for those who have budget limitations, large protection needs or temporary need.
Offers:
Guaranteed death benefit for a fixed period
Fixed premium.No cash value.
Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.
Initial premiums tend to be lower but will eventually increase

Find protection that fits your life.

You don't have to figure it out on your own. A financial professional can help you understand your options and find coverage aligned with your needs and goals.