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LIFE INSURANCE

Which of these plans suit your needs?

Whole Life Products

Whole Life

Image by alise storsul

​A good fit for:

  • Those who need coverage that doesn't require a medical exam.

  • Those who need coverage for a burial, funeral, or to pay debts.

Characteristics:

  • Premiums never increase.

  • Builds cash value.

  • Cannot be canceled for any reason if premiums are paid.

  • Benefits paid to a designated beneficiary.

    • Max death benefit = $50,000​

  • Must be 45 years old to qualify.

Children's Whole Life

Children Embracing in Circle

A good fit for:

  • Those who want to lock in low childhood rates.

  • Those who want guaranteed coverage through adulthood regardless of future health.

Characteristics:

  • Premiums never increase.

  • Builds cash value.

  • Cannot be canceled for any reason if premiums are paid.

  • Benefits paid to a designated beneficiary.

    • Max death benefit = $50,000​

  • Must be 14 days to 17 years old.

Whole Life Investment Products

Investment IUL

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A good fit for:

  • Those looking for strong cash value accumulation.

    • Supplement a retirement fund.​

    • Create an education fund.

    • Prepare for financial emergencies.

Characteristics:

  • $100K+ death benefit.

  • Guaranteed interest rate.

  • Cash value is available via a loan that doesn't have to be paid back.

  • No-lapse protection. 

  • Riders included in the policy.

Protection IUL

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A good fit for:

  • Those looking for a long-term death benefit.

    • Wealth transfer.​

    • Estate planning.

Characteristics:

  • $100K+ death benefit.

  • Guaranteed interest rate.

  • Cash value is available via a loan that doesn't have to be paid back.

  • No-lapse protection.

  • Riders included in the policy.

Express IUL

Image by Guillaume Jaillet

A good fit for:

  • Those looking for a simplified underwriting process to get the policy faster.

Characteristics:

  • $25K+ death benefit.

  • Guaranteed interest rate.

  • Cash value is available via a loan that doesn't have to be paid back.

  • No-lapse protection.

  • Riders included in the policy.

Term Life 

Term Life

Image by alise storsul
Calendar Pages

A good fit for:

  • Those who need coverage for a fixed number of years.

  • Mortgage payoff.

Characteristics:

  • $100K+ death benefit.

  • 10, 15, 20, and 30 year policy periods.

  • Level and guaranteed premiums.

  • Does not build cash value.

Term Life Express

Children Embracing in Circle
Image by Guillaume Jaillet

A good fit for:

  • Those who need coverage for a fixed number of years.

  • Mortgage payoff.

Characteristics:

  • $25K+ death benefit.

  • 10, 15, 20, and 30 year policy periods.

  • Level and guaranteed premiums.

  • Does not build cash value.

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