Life Insurance

We provide a number of life insurance products to fit your needs and circumstance. Browse the options below to understand which is right for you and your family. 
 

 

 

 

Term Life Insurance

Provides affordable coverage to meet your temporary needs. You'll receive a guaranteed death benefit for the term you choose, and your payments are guaranteed to remain level for the length of the term. 

What a Term Life policy can include: 

• Level premiums for 10, 15, 20, or 30 years

• The option to continue coverage at the end of the level term period

• A built-in conversion guarantee

• A choice of riders or add-on benefits to customize coverage

• Temporary coverage without a lengthy application process or medical exam (Simplified Issue only)

 

 

 

 

Whole Life Insurance

Gives you level premiums, strong guarantees, and valuable protection. It can also build cash value, which you can access through loans. 

What a Whole Life policy can include:

• Guaranteed income-tax free death benefit

• Guaranteed level premium

• Guaranteed cash value, which can grow tax-deferred

• A choice of ridersor add-on benefits to customize your coverage

• Permanent coverage without a lengthy application process or medical exam (Simplified Issue only)

• Death benefit immediately higher than the single premium (for Single Premium Whole Life)

• 100% return of premium guarantee (for Single Premium Whole Life)

• Minimum guaranteed return

• Immediate access to principal 

 

 

 

 

 

Fixed Annuities/Fixed Indexed Annuities

With a Single Premium Deferred Annuity (SPDA) or Fixed Indexed Annuity (FIA), you make just one lump-sum premium payment in exchange for a guaranteed stream of income for your retirement years. 

A Fixed Annuity can include: 

• A long-term interest rate guarantee (for example, 60-month)

• Earns tax-deferred interest

• Access to cash in case of certain qualifying conditions for owner and spouse

• Access to indexed strategies to potentially earn higher interest (FIA only)