LIFE INSURANCE

life insurance

Life insurance is more than just paying premiums to an insurance company and the payment of a death benefit to your beneficiaries. It can also be used to achieve different financial goals. It can help your loved ones and also your retirement dreams. A life insurance policy’s death benefit may help your surviving spouse maintain his or her standard of living, and any cash value that a permanent policy accumulates can help to supplement your retirement income.

Life insurance is not a one-size fits all solution!  Depending on your specific needs, you have various options to choose from, or a combine coverages for your unique situation.

TERM INSURANCE

  • Term life insurance is simple and affordable.
  • You decide how much coverage you need and how long you need it for.
  • Term insurance renews automatically at maturity. If you die, your beneficiaries will receive a tax-free lump-sum benefit
  • Choose a coverage period for 10, 20 or 30 years, or up to age 65, and your beneficiaries receive a tax-free lump-sum benefit in the event of your death

participating life insurance

  • Participating life insurance combines permanent life insurance protection with a tax-advantaged cash value accumulation component
  • Provides lifetime coverage as long as premiums are paid
  • Opportunity to earn dividends that can be used to buy additional insurance or reduce your premiums
  • Flexible premium payment options (10 years, 20 years, or lifetime)
  • Ability to stop paying premiums while maintaining your coverage

universal life insurance

  • Universal life insurance is a combination of life insurance and a tax-free accumulation fund
  • Provides lifetime coverage for as long as premiums are paid
  • Investment component within the policy allows you to choose investments according to your risk profile
  • Flexible premium paying options (10 years, 20 years or lifetime)
  • Ability to stop paying premiums while maintaining your coverage


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