Life Insurance

We value working with you to fully understand your needs and give you an accurate quote. Our advisors will recommend the right life insurance for you, and how much you may need, to keep you and your family financially sound if the unexpected happens. Talk to an advisor about your needs.

It's simple. Term life is an affordable way to have the protection you want for a set amount of time. You determine the right amount of coverage you need (with the help of your advisor), then you figure out how long you need coverage for and choose from the available periods. But once that time is up, so is your coverage. Looking for coverage that's more permanent? Our whole life insurance lasts your entire life and has other benefits that you can use along the way.

Yes. With whole life, you could earn dividends⁶ that can be taken as cash, used to pay premiums, or buy more coverage. While whole, universal, and variable universal life builds cash value over time that you can use for anything throughout your life.

We promise to pay who you name (beneficiaries) a set amount of money when you're no longer here, and you in return, promise to make regular payments (premiums). We have three types of permanent life insurance to fit your needs: whole, universal, and variable universal. Not only will you have lifelong coverage, as you make payments, you'll build cash value (tax deferred) that you can use for anything you wish.³ And with whole life, you can also earn dividends (while not guaranteed, we've paid them every year since 1872) that can be taken as cash, used to pay premiums, or buy more coverage. Ask an advisor if permanent life insurance is a good option for you.

Everyone's insurance needs are different, so it's important to work with you to fully understand your needs. The first step is to get matched with the right advisor. And the first thing they'll do is ask questions to understand which type of coverage (and how much) is right for you. Before issuing a policy, you'll need to answer some questions about your health and lifestyle. This will help us determine if you're qualified and figure out how much your premiums will be based on your health.

A rider is an optional benefit or feature you can add to your life insurance policy for an additional cost. No matter if it's whole life, universal life, variable universal life or term life insurance, we have a specific rider available. Here's what you can consider:

• Waiver of Premium—We'll pay your premiums if you become totally disabled from a sickness or accident.
• Additional Purchase Benefit—You can buy more coverage at certain ages regardless of your health, and when you have certain life events like getting married or having a child.
• Accelerated Care Benefit—You can use a portion of your death benefit early to help cover long-term care expenses.