Life Insurance What is life insurance? The best way to answer that is for you to think about who depends on you and for what. Your family may count on you for such things as house payments, education expenses and a certain lifestyle. The right amount of life insurance (it might be term life insurance, universal life insurance, whole life insurance, or a combination) can help guarantee all these things for your family in the event of your untimely death. Why do you need life insurance? Life insurance can help: Replace income your family would need to maintain their standard of living.Pay off your mortgage or other personal and business debts. If you rent your home, it can create a fund for future rent payments.Create an education fund for your children.Pay final expenses, such as funeral costs, credit-card debt and taxes.Create a family emergency fund.Build cash values that may be accessed during your lifetime.* Subject to policy specifications. Whether you're looking for the affordability of term insurance, the lifelong protection and cash value of permanent insurance, or a combination of both, we have options to fit your needs and budget. Decide which coverage is right for you before getting a life insurance quote. Term Life Whole Life Universal Life Advantages Simple, affordable coverage for a period of time Lifetime coverage with potential access to cash value* Flexible coverage flexible premiums What It's Used For Appropriate for short-term coverage needs Life insurance for life-long needs Permanent protection and flexibility Guaranteed Death Benefit YesProvided premiums are paid as required YesGuaranteed for the life of the policy provided premiums are paid as required N/A Cash Value* YesCash value growth is tax-deferred YesCash value growth is tax-deferred Available Lifetime Level Premiums YesGuaranteed for the life of the policy N/A Available Lifetime Coverage YesGuaranteed for the insured's lifetime, provided premiums are paid as required YesSubject to policy terms and conditions Flexible Premiums YesAvailable for the insured's lifetime How much life insurance do you need? In other words, how much coverage will it take to meet the needs of your family in the event of your untimely death? You need to assess several factors regarding your family situation (possible mortgage loan, education plans and income replacement to name a few) before you can arrive at an amount. Give us a call and we can help you develop a plan custom made for you.This information is for educational purposes only, and should not be viewed as a recommendation to buy or sell any particular financial product or service. Please consult with a qualified advisor regarding your individual circumstances.Life insurance policies are subject to certain costs, limitations and restrictions not outlined above. Always refer to a complete personalized illustration for more information. Policy guarantees are based on the claim’s-paying ability of the insurer. Optional policy features may be available at additional cost. Available products, features, and benefits may vary by state.*Accessing policy cash value through loans and withdrawals will reduce the stated cash value and death benefit amounts, and may be subject to taxes and other charges.