As uncomfortable as it is to think about, imagine what standard of living your family would have if you were no longer with them. Life insurance protects your family against the loss of income when you die. It helps secure your family's financial future. If you own permanent insurance, the cash value may be able to help fund your children's education, assist with expenses if you become disabled, or supplement your retirement income.
1 Many life insurance policies have riders that can be added to provide you with benefits you may use throughout your lifetime, called living benefit riders.
2 These riders can accelerate the death benefit should you become ill or potentially provide a guaranteed3 source of retirement income if you live too long.
Whole Life insurance is frequently referred to as "permanent" insurance because it remains in force for life, as long as the premiums are paid as scheduled.
Universal Life allows you to adjust the amount of your policy, or face amount, as well as the premiums you pay.
Term Insurance is for those with budget limitations. And can guaranteed death benefit for a fixed period3, in addition initial premiums are lower.
Final Expense is a policy that helps ease the financial burden placed on a family when a loved one dies. This policy is used to pay for burial expenses and funeral services when the named insured dies.
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