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Term Life Insurance
- Coverage for a set period of time, 10, 20, or 30 years
- Fixed premium payments during the term
- Most affordable type of life insurance
- Less than 50% the cost of Whole Life Policy
- Higher coverage at low cost
- Living/Accelerated Benefits
+Allows access to death benefits while living under certain circumstances
- Return of premium options
+At the end of the term period, ALL premium paid is returned
- Fixed premium payments during the term
- Most affordable type of life insurance
- Less than 50% the cost of Whole Life Policy
- Higher coverage at low cost
- Living/Accelerated Benefits
+Allows access to death benefits while living under certain circumstances
- Return of premium options
+At the end of the term period, ALL premium paid is returned
Whole Life Insurance
- Coverage for your entire life, never ends
- Fixed or Flexiable premium options
+Premuim can be adjusted or stopped during life of the policy
- Build cash value which can grow tax deferred
- Tax Free death benefit proceeds
- Penalty free access to cash value
- Take loans out against the policy
-Walk away with surrender/cash value if policy is cancelled
Invest With Life Insurance
- Whole Life has saving component called cash value for use
- Fixed and Inex UL investmet options
- No risk to cash value or loss of principle in market down year
- Guaranteed death benefit amount
- Build cash value by design for multiple uses:
+Education/College Savings expenses
+Emergency Funds when needed
+Value taken out can be withdrawn or as a loan
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Accelerated / Living Benefits
- Chronic Illness
+Allows policy owner to accelerate a portion of death benefit if the primary insured is chronically ill
+Can be used at Nursing Home or Home Health Care
+If unable to perform 2 of 6 Activities of Daily Living
+Illness for at least 90 days to activate benefits
- Terminal Illness
+Physician certifies insurded less than 24 months to live
