Life Insurance

Whole Life

For you, and your whole family. These policies are designed for those who want cash value guarantees, potential dividends, and are focused on providing death benefit protection.

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Life insurance policies for the conservative, with guarantees of fixed, minimum interest rates.

Universal Life

These policies are for the those who have a need for life insurance, are somewhat conservative, and want the guarantees of a fixed, minimum interest rate with the potential for additional interest credits.

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IUL policies have death benefits, downside protection, AND cash accumulation for retirement income.

Indexed Universal Life

IUL policies are ideal if you want death benefit protection, and cash value accumulation for supplementing retirement income, along with downside protection. Flexible premiums, and increasing the death benefit is possible.

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Choose how to invest. The value changes based on the the stock, bonds and money market performance.

Variable Universal Life

This policy provides life insurance with the ability to choose how your cash value is invested. Cash value changes based on the performance of the stock, bond or money market sub-accounts that you choose.

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For budget limitations & temporary need. The guaranteed death benefit is for a fixed period of time.

Term

These polices are for those who have budget limitations, large protection needs or temporary need. The guaranteed death benefit is for a fixed period of time. There is a fixed premium, and no cash value.

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