Life

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Guarantee Your Income For Life

Is Your Life Insurance Keeping Up With Your Life?

With all the demands on your time, you probably don't give your Life Insurance much thought. Are you sure it still meets your needs?

life

Maybe it's time for a Life Insurance Policy Review.

The goal of a policy review isn't to sell you a new product. Rather, it's intended to make sure your current policy still satisfies your needs.

If you haven't taken a careful look at your Life Insurance policy lately, you could be:

  • Leaving an inadequate life benefit for your beneficiaries
  • Paying too much for too little insurance coverage
  • Risking a policy lapse due to changing market conditions and under-performance
  • Here is a quick review of the five major types of life insurance policies:

Level Term insurance

    • Fixed death benefit
    • Level premium
    • No cash value
    • Pure protection
    • Traditional Whole Life
    • Fixed or increasing death benefit
    • Fixed premium
    • Protection and cash value
    • Universal Life
    • Flexible or fixed death benefit
    • Flexible premiums
    • Growth of cash value based on declared interest rate
    • Protection and cash value
    • Indexed Universal Life
    • Flexible or fixed death benefit
    • Flexible premiums
    • Growth of cash value based on index-linked interest rates subject to a growth cap and a floor
    • Protection and cash value
    • Variable Universal Life
    • Flexible or fixed death benefit
    • Flexible premiums
    • Growth or decline of cash value based performance of market-based investment options
    • Protection and cash value
    • A life Insurance policy review will only take a few minutes, but it could make a big difference to you and your family.

Please download our brochure for more information.

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