life insuranceS

 Indexed universal life insurance combines the death benefit protection of permanent life insurance with the potential for cash value growth linked to the performance of an underlying market index.  The death benefit proceeds of your policy are generally transferred tax-free to your beneficiaries.  While IUL policies offer tax-deferred cash value growth potential, your premium is not invested directly in the market and is 100% protected from loss associated with the market.

It can help... 

• Provide financial support to your family in a time of need

• Supplement your retirement income, generally tax free

• Potentially reduce income taxes in retirement

• Pay medical bills during an illness

• Pay off debts like credit cards and student loans

• Pay down – or pay off – a mortgage

• Pay college tuition 

It can help you get the most from your life insurance. 

 Markets

• Long-term death benefit protection
• College funding
• Mortgage protection
• Retirement planning
• Legacy building
• Estate planning
• 1035 exchanges
• Buy-sell agreements
• Executive bonus

Term life insurance helps provide protection when your family needs it most. It’s designed for short term protection at an affordable cost. Should the unexpected happen, your loved ones will generally receive income tax free funds that can provide financial protection for the future. 

It can help... 

• Provide financial help to your family in a time of need 

• Replace income to continue your family’s current quality of life  

• Provide protection for outstanding loans, including a mortgage

• Pay off debts like credit cards and student loans 

• Ease the transfer of a small business  

It can help your loved ones live life on their terms. 

Markets 

• Low-cost death benefit protection 
• Mortgage protection
• Buy-sell agreements
• Key person insurance

Riders & Endorsements Available 

• Accelerated Death Benefit Endorsement for Critical, Chronic, and Terminal Illness
• Children's Term Insurance Rider
• Waiver of Term Premium for Disability Rider

 A benefit in the event of a major medical event like cancer, heart attack, kidney failure, or major organ transplant within the last 12 months as defined in the endorsement. 

 A benefit if 2 of 6 Activities of Daily Living can no longer be performed without substantial assistance. 

 A benefit if a health professional has certified your life expectancy as 24 months or less.

 Provides level term insurance on the life of each  child the insured has. If proof of death is received while the rider is in effect, the specified death benefit will be paid out to the beneficiary. The death must occur while the child is at least 15 days old and before the policy anniversary following the child’s 25th birthday.

The FBR provides a disability benefit while current costs of insurance and expense charges are being waived, but not beyond age 65. It is available only on the primary insured and when Waiver of Monthly Deductions Rider is included. It is designed to be used to complete a savings program in the event of disability. 

Provides the option to increase death benefit coverage by a specified amount without evidence of insurability on the policy anniversaries nearest the insured’s specific ages identified as outlined by the rider.  Available with all death benefit options 

 This Rider can only be added at issue. This Rider can be added to extend the guarantee up to age 120. If, on any Monthly Anniversary after the No Lapse Guarantee Period, the Premium Guarantee Account (referred to as PGA) is greater than or equal to the Policy Debt, then the Policy will not enter the Grace Period, even if the Net Cash Surrender Value is insufficient to pay the Monthly Deduction. This Rider does not prevent the Policy from entering the Grace Period during the No Lapse Guarantee Period.  The Premium Guarantee Account (PGA) will be used to determine if the Premium Guarantee Rider remains in effect. As long as PGA, less loans, is positive or zero, and the policy is beyond the initial NLG period, the policy stays in force even if the Net Cash Surrender Value is insufficient to pay the Monthly Deduction 

Waive the monthly deduction while the Insured is totally disabled and according to the following: 1. If total disability begins before age 60, we will waive the monthly deduction for each policy month. If total disability extends to age 65, we will waive all further monthly deductions regardless of disability status. 2. If total disability begins on or after age 60, we will waive the monthly deduction up to age 65. 

 If total disability begins before policy age 60, this rider waives the payment of each premium that becomes due after 180 consecutive days of total disability while the insured continues to be totally disabled. OR If total disability begins on or after policy age 60, this rider  waives the payment of each premium that becomes due after 180  consecutive days of total disability while the insured continues to  be totally disabled for the longer of the period of time prior to  the policy anniversary on  which the insured reaches policy age 65  or a period of two years.

Slection of this option removes all surrender charges  that are normally applied on surrenders and partial  withdrawals.  

Slection of this option removes all surrender charges  that are normally applied on surrenders and partial  withdrawals.  

Slection of this option removes all surrender charges  that are normally applied on surrenders and partial  withdrawals.