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.