Embracing on a Bench

LIFE INSURANCE

Couple in Nature

WHAT IS INDEX UNIVERSAL LIFE INSURANCE?

Indexed Universal life (IULs) is a type of universal life policy. The universal portion means that premiums are flexible and the components of the life insurance policy can be altered throughout the contract..

 

Indexed universal life insurance provides death benefit protection and the opportunity to build money inside your policy called cash value. Even if these indexes drop, you are still safe with a guaranteed minimum interest rate.

Money inside your policy grows income tax-deferred in fixed and indexed strategies

P1077572.jpg

WHY AN IUL?

KEY FEATURES

Untitled design (1).png

FLEXIBILITY

Flexibility in how you want to pay premiums.

Untitled design (1).png

PROTECTION

Death benefit protection.

Untitled design (1).png

GROWTH POTENTIAL

Greater growth potential than traditional universal life.

Untitled design (1).png

NO NEGATIVE INDEX

Guaranteed not to have a negative index crediting rate even in a down market.

P1077514.jpg

WHAT IS TERM LIFE INSURANCE?

Term life insurance is often the most affordable coverage because it offers protection for a specific number of years.

Term insurance is basic, inexpensive and easy to understand. It gives you all the coverage you need and none that you don’t.

Term insurance comes in two basic varieties level term and decreasing term.

Guaranteed not to have a negative index crediting rate even in a down market

 
Happy Family in Nature

TERM LIFE INSURANCE

YOU MAY WANT TO PURCHASE A TERM
LIFE INSURANCE POLICY TO:

Untitled design (1).png

GET AFFORDABLE PRICE

Get valuable coverage at an affordable price.

Untitled design (1).png

GET EXCELLENT SUPPLEMENT:

Supplement a permanent policy or work policy.

Untitled design (1).png

COVER SPECIFIC FINANCIALS:

Help cover specific financial responsibilities like a mortgage or college expenses.

Untitled design (1).png

HAVE FLEXIBILITY:

Flexibility in how you want to pay premiums.

Family

FINAL EXPENSE INSURANCE

Enjoying Sunset

WHAT IS FINAL EXPENSE INSURANCE?

Final Expense Insurance is designed to cover the bills that your loved ones will face after your death.

 
Happy Young People

IS FINAL EXPENSE INSURANCE RIGHT FOR ME?

Expenses associated with death such as caskets and embalming, can have a substantial impact on those you love. This is why it is very important to obtain final expenses insurance. Is final expense insurance expensive?

Final Expense Insurance depends on your age. The older you are, the higher your premiums will be. This is because the insurance company takes on more risk when insuring older people, given the fact that they’re statistically closer to death (More Information). If you buy final insurance when you’re 35, you’ll pay less each month than if you wait until you’re 65.