A company you can trust!
The whole life
a life of protection
With our Whole Life option, you can ensure that your family receives guaranteed protection after your death, whatever the time.
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The cost of your policy will stay the same so you know what to expect.
dividend options
Although not guaranteed, we have a history of paying dividends to our policyholders.
fixed benefits
Feel good knowing that your loved ones will receive their benefits on the terms you have defined.
Term Life Insurance
Fixed monthly payments and level payments
When your children have grown, your mortgage is paid off, and your financial needs have changed, you can choose from a variety of coverage options without a lifetime commitment.
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People choose Term Life for a variety of reasons:
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Choose your coverage:With our Annual Renewable Term (ART), you can get short-term needs at an affordable cost: 5, 10, 15, 20 and 30 year terms available
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Affordable Coverage:pay only for the years your family needs it most
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It adapts to you- Coverage that can be adapted to you, such as receiving benefits early to cover an illness
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Flexibility you need:convert your coverage to permanent life if your needs change
*Subject to policy conversion provision.
universal life
More flexibility but the same lifetime coverage
Universal Life gives you the flexibility to adjust both your payments and payment amounts as your trip unfolds.
flexible premiums
You may be able to adjust how much you pay on your policy as long as you keep enough cash value on hand
Flexible Benefits
You have the ability to increase or decrease your death benefits
Access to the loan
You can borrow against a portion of the cash value of your policy to help pay for the unexpected
optional passengers
Riders help you customize your policy with options like disability waivers, coverage extension, and coverage for your children
The values of Universal Life policies are sensitive to interest rates. Interest credit rates are set by the insurer and are subject to specific policy requirements.
Indexed Universal Life Insurance
Income Opportunities You Can Pass On
Your policy may be linked to a particular stock index, such as the S&P 500®, and earn credited interest based on its performance. As an added benefit, your policy will never be credited with a negative interest rate.
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Flexible premiums:you may be able to make adjustments to your payments as long as your policy is worth enough
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Flexible Benefits:policies may allow you to increase or decrease certain benefits
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Access to loans:you can borrow against a portion of your policy to meet unexpected financial needs
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Optional Riders:many policies offer riders that can be customized to help you accelerate benefits, change, and even expand your coverage
The values of indexed universal life policies are sensitive to interest rates. Interest credit rates are set by the insurer and are subject to specific policy requirements.
Guaranteed Universal Life
There when you need it
With our Whole Life option, you can ensure that your family receives guaranteed protection after your death, whatever the time.
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_cc781905-5cde-3194 -bb3b-136bad5cf58d_ guaranteed on death
Whether you only need coverage up to a certain age or a warranty that can last a lifetime, you can select the warranties that work for you.
Withdraw the policy at a later date
_cc781905-5cde-3194 -bb3b-136bad5cf58d_ if your needs change
If your circumstances change or you no longer need life insurance, the Guaranteed Cash Out Rider may be your way to restore financial stability.
Ease financial stress by speeding up
_cc781905-5cde-3194 -bb3b-136bad5cf58d_ death benefit
In the event that you are terminally ill, a full or partial accelerated death benefit may be available to you, giving you an unrestricted cash benefit to use for any purpose.
