Life Insurance
Term Insurance
Give your family the security they need in the event of your death. Cash payment made to your beneficiary. Designed to replace your income for surviving family. 10 – 12× your annual income is recommended.
Whole Life Insurance
Protects the insured member for their entire life. Remains in effect as long as all premiums are paid. More expensive than term, but offers additional benefits. Benefits are paid to the beneficiary tax-free.
Indexed Universal Life
Additional benefits beyond a death benefit. Policies that give you access to your benefits without paying a penalty. Ability to extend retirement cash flow 30+ years beyond 401(k), IRA or mutual funds.
Indexed Annuities
Guaranteed income for life. Greater potential upside than a traditional fixed contract. Less risk than a variable annuity. Widely seen as a “best of both worlds” proposition.
