Types of Life Insurance

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Whole Life

  • Guaranteed Death Benefit
  • Guaranteed Cash Value
  • Level Premiums that are guaranteed to never change
  • 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

Universal Life Insurance

  • Flexible death benefit
  • Flexible premium
  • Policy cash values are credited a current interest rate that is set by the insurance company and which is subject change but it will never be lower than a guaranteed minimum interest rate

Indexed Universal Life Insurance

  • Flexible Death benefit
  • Flexible Premium
  • Cash value grows based on an interest crediting strategy that is tied to the changes in a market index such as the S&P 500

Term Insurance

  • Guaranteed death benefit for a fixed period
  • Fixed premium
  • No cash value
  • Coverage is for a certain time period (term), usually for a specific number of years or to a specific age of the insured
  • Initial premiums tend be lower but will eventually increase

Life Is a Journey: Jessica’s Story

Jessica and her husband were on top of the world – they had just welcomed their second child, Mason, into the world, and life was good. On September 26th, 2011, Jessica received a call that would change their lives forever. The diagnosis was breast cancer. Luckily, Jessica had covered herself with Living Benefits a few years before. Watch how that decision completely changed their family’s financial outlook, and led to a full recovery for Jessica and her family.

Contact us for more information!

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