Life & Health Insurance

Life insurance is a promise:

• To take care of your family, if you die too soon
  
•  To take care of you, if you live too long

Life insurance is the only financial contract available which is guaranteed:

•  To deliver the exact amount of cash you choose
  
•  To exactly the person you choose
• At exactly the time it is needed

Types of Life Insurance

•  Term Insurance (Temporary)
•  Permanent Insurance
• Whole Life (guaranteed premium, guaranteed cash value, guaranteed death benefit)
• Universal Life
• Fixed UL ( flexible premium, flexible interest rates, fixed savings account)
• Indexed UL (flexible premium, flexible interest rates, indexed savings account)
• Variable UL (flexible premium, flexible interest rates, variable investment account)

Popular Uses of Life Insurance

•  Income Replacement
•  Mortgage liquidation
• College Funding
• Tax diversification
• Retirement Income
• Wealth Transfer
• Charitable Giving