Understanding Life Insurance MK3083(0609) TC49567(0609)
|
|
- Susan Wilcox
- 8 years ago
- Views:
Transcription
1 Understanding Life Insurance MK3083(0609) TC49567(0609) 1
2 Rosita & Antonio Jett What does life insurance mean to you? This question was posed to the agents and employees of National Life Insurance Company and Life Insurance Company of the Southwest. Included in this brochure are the photos they submitted to show who they protect with life insurance. 2 Cover Photos (clockwise from top left): Raymond & Jeannine; Expectant parents, Betsy & Dan; Family members, Palmer, Chapel, Emily, Charles, Adelaide & Katy; Malia.
3 What are you doing to financially protect those you love? Chances are you have insurance coverage on your house or your car to help offset losses from unforeseen events. But have you done the same with your life? The purpose of life insurance is to ensure that those who depend on you will still be able to maintain their standard of living if something should happen to you. Life insurance helps secure your loved ones futures and potentially provide them with enough money to fulfill their obligations and pursue their dreams, even if you are no longer with them. Chris & Kristin 3
4 What is life insurance? As uncomfortable as it is to think about, imagine what standard of living your family would have if you were no longer with them. Could they still pay the mortgage? Pay for education? Buy groceries? Life insurance protects your family against the loss of income when you die. It helps pay for funeral costs, cover household expenses and secure your family s financial future. Many life insurance policies have riders that can be added to provide you with benefits you may use throughout your lifetime, called living benefit riders 1. You may also be able to use your policy s accumulated cash value to help fund your children s education, assist with expenses if you become disabled, or supplement your retirement income 2. Colby Brother and sister, Christopher & Angela 4 1 Riders are optional, may require additional premium and may not be available in all states. 2 Policy loans and withdrawals reduce the policy s cash value and death benefit and may result in a taxable event.
5 How does life insurance work? All life insurance policies operate under the same general structure. You make payments, also known as premiums, to a life insurance company. In return, the company agrees to pay a specified amount to whomever you designate to receive the money from your policy when you pass away. Cousins, Aiden & Rebecca Siblings, Victoria, Kohl, Keisha, & Billy 5
6 Who needs life insurance? Most people need life insurance in one form or another. If one or more of these scenarios apply to you, you may have a need for life insurance: You have dependent children You have a spouse or older family member who depends on your wages You are a working couple with debt You are planning to start a family You own a home Family members, Katy, Rebecca, Ingram & Emily If you are in one or more of these stages of your life, you may want to meet with a licensed insurance professional to see if life insurance is right for you. It could prove to be one of the most valuable financial decisions you ever make. 6 Rossy & Antiono
7 What type of insurance should I purchase? Once you determine that you may have a need for insurance, there are three basic types of insurance that you can choose from: Term, Whole Life and Universal Life. Term Insurance With Term insurance, you are guaranteed coverage for a set period of time, or term, usually for a specific number of years or until a specified age, as long as premiums are paid. Term insurance policies are usually renewable once that time period has expired, although it is likely for premiums to then increase. Since Term provides a death benefit if the insured dies within a defined period of time and does not accumulate cash value, you can generally purchase a higher death benefit for your premium dollars. It is frequently the most affordable coverage. Mother and son, Jane & Jason Brother and sister, Ryan & Julie 7
8 Whole Life Whole Life insurance offers guaranteed premiums that will not increase or decrease, a guaranteed death benefit plus the guarantee of building cash value within your life insurance policy. 1 With Whole Life insurance, you do not have to pay current income taxes on the increase of the cash value within the policy and you may be able to potentially access these funds on a tax-advantaged basis. 2 Whole Life is frequently referred to as permanent insurance because unlike Term policies, it remains in force for life, as long as the premiums are paid as scheduled. Also, unlike Term policies, after owning a policy long enough to build cash value, you may take out a loan on the cash value to use however you wish. When you pass away, your beneficiaries will receive the amount of the death benefit, minus any outstanding loans and loan interest that may be due on your policy. Thomas & Cynthia Mother and daughter, Christine & Hayley Caira 8 1 Guarantees are dependent on the claims-paying ability of the issuing insurer.
9 Universal Life Considered the most flexible of the three types of life insurance, Universal Life allows you to adjust the amount of your policy, also called the face amount, and the premiums you pay. You also have the potential to build cash value in your policy based on a guaranteed minimum interest rate 1. Like Whole Life, you can build cash value in your policy without paying taxes on the increases and you can potentially access the funds on a tax-advantaged basis. 2 Universal Life s flexibility allows you to stop paying premiums if there is enough accumulated value in your policy to cover the cost of insurance each month. If you desire, you can then pay additional premiums to build back up accumulated cash value. You may also be able to increase or decrease your death benefit depending on your life insurance needs. An increase may require additional underwriting. Two of the most popular types of Universal Life insurance are Fixed Universal Life and Indexed Universal Life. One of the main differences between them is in how the policy s interest is credited. With a Traditional Fixed Universal Life policy there is an interest rate declared by the company that is credited to the policy s cash value. Indexed Universal Life credits the interest based on the changes in value of a major market index. Both offer you varying degrees of guarantees and returns, based on your appetite for risk. Uncle and nephew, Ron & Connor 2 Policy loans and withdrawals reduce the policy s cash value and death benefit and may result in a taxable event. Policy loans in excess of premiums paid will not be considered taxable income unless the policy lapses. Values withdrawn exceeding the premiums paid into the contract will be treated as taxable income. 9
10 Life Insurance Product Overview Feature Term Life Whole Life Death Benefit Fixed Some Flexibility Premium Level or Increasing Cash Value None Fixed Rate, Guaranteed, Possible Dividends Set by the Company Traditional Fixed Universal Life Very Flexible Indexed Universal Life Very Flexible Fixed Flexible Flexible Current Interest Rate, Guaranteed Minimum Interest Rate Set by the Company Interest Credits Based on the Positive Change in a Major Market Index, Guaranteed Minimum Interest Rate Set by the Company Cousins, M.J. & Trace 10
11 A licensed National Life Insurance Company or Life Insurance Company of the Southwest agent can help you decide what type of coverage and premium payment is right for you. Although there are many choices available, the most important thing is to find a policy and combination of riders that best fits you and your family s needs. Life insurance is a unique financial tool that can be structured to accomplish many objectives, and it can be customized to fit very specific needs. If you are committed to protecting the people that are important to you, find out how life insurance can provide you with the security, protection and opportunities that can help you make what may be today s dreams, tomorrow s reality. Siblings, Julie, Aimee & Ryan 11
12 Experience Life 12 National Life Insurance Company Home Office: One National Life Drive, Montpelier, Vermont (888) LSW Home Office: 1300 West Mockingbird Lane, Dallas, Texas (800) National Life Group is a trade name of National Life Insurance Company and its affiliates. Each company of the National Life Group is solely responsible for its own financial condition and contractual obligations. LSW is not authorized to sell insurance in New York and does not do any insurance business in New York.
SecurePlus. Provider INDEXED UNIVERSAL LIFE 63574 / MK2900(1207) / TC38363(1207)
SecurePlus Provider INDEXED UNIVERSAL LIFE 63574 / MK2900(1207) / TC38363(1207) SecurePlus Provider from Life Insurance Company of the Southwest (LSW), is a flexible premium universal life policy with
More information64168 MK3373(0209) TC45365(0209) Premium Financing Alternative Funding to Help Meet Your Life Insurance Needs
64168 MK3373(0209) TC45365(0209) Premium Financing Alternative Funding to Help Meet Your Life Insurance Needs What is Premium Financing? Simply put, premium financing is a strategy for paying for life
More informationHorizon Universal Life Insurance
Horizon Universal Life Insurance Discover More In Life 63992 MK3227(0209) TC46323(0209) Experience Life Now you can protect your home, family, business and future all in one policy. If your need is death
More informationA Key to. Life Insurance 62824 MK2333(0307) TC30498(0307)
Living Benefits A Key to Life Insurance 62824 MK2333(0307) TC30498(0307) Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, life insurance is used to provide
More informationYOU CAN OWN? WHY RENT WHEN
WHY RENT WHEN YOU CAN OWN? A COMPARISON OF TERM & PERMANENT LIFE INSURANCE This guide helps you understand the differences between term and permanent coverage by comparing them to renting versus owning
More informationLiving Benefits. A Key to. Life Insurance 62824 MK2333(0908) TC43323(0908)
Living Benefits A Key to Life Insurance 62824 MK2333(0908) TC43323(0908) Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, life insurance is used to provide
More informationWe keep our promises.
We keep our promises. So you can keep yours. It s a selfless act. The decision you make today is for someone else s future. Purchasing life insurance is about more than just planning for the future. It
More informationLife Insurance in Retirement Planning
Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT. 0251133-00002-00 Did You Know? Many high-income and high-net worth
More informationTax-Free Retirement Strategy With Permanent Life Insurance
Tax-Free Retirement Strategy With Permanent Life Insurance If presenter is a registered representative of ESI: Life Insurance Beyond the Death Benefit [Agent Name] is a Registered Representative of, and
More informationplain talk about life insurance
plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well positioned
More informationSecurePlus Provider I N D E X E D U N I V E R S A L L I F E
SecurePlus Provider I N D E X E D U N I V E R S A L L I F E B U Y E R S G U I D E TC27761(0906) Life is a journey. And while there are many unknowns along the way, you can be prepared. Preparations should
More informationFlexible Mortgage Protection
10 % Flexible Mortgage Protection with Life Insurance Product issued by Life Insurance Company of the Southwest 62686 MK2272(1112) TC6896(0612) Protect your home, family and income all in one policy A
More informationLIFE TERM. Guaranteed Level Term. Protection. Flexibility. Value.
LIFE TERM Guaranteed Level Term Protection. Flexibility. Value. Life. your waysm Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect and transfer wealth
More informationEverything You Need to Know About Life Insurance
PLC.6313 (04.14) Understanding Life Insurance Protect Tomorrow. Embrace Today.TM Life Insurance Is About Protection It helps provide security for your loved ones when they need it most. Protecting your
More informationSection 79 Permanent Life Insurance
Section 79 Permanent Life Insurance Your business success depends on the expertise of a few key employees How can you provide life insurance as a benefit to business owners and their employees in a tax
More informationLifeCycle Solution Survivorship Indexed Universal Life Life Changes. Protect It.
SIUL LifeCycle Solution Survivorship Indexed Universal Life Life Changes. Protect It. Products issued by National Life Insurance Company Life Insurance Company of the Southwest 30 % 64324 MK3517(0511)
More informationLiving Benefits. A Key to Life Insurance 62824 MK2333(0610) TC55294(0510) 30 %
Living Benefits A Key to Life Insurance 30 % 62824 MK2333(0610) TC55294(0510) Plan today. Protect tomorrow. Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly,
More informationUnderstanding fixed index universal life insurance
Allianz Life Insurance Company of North America Understanding fixed index universal life insurance Protection, wealth accumulation potential, and tax advantages in one policy M-3959 Understanding fixed
More informationGet Guaranteed CONSUMER GUIDE. Life Insurance Company of the Southwest
Life Insurance Company of the Southwest member of CONSUMER GUIDE For Flexible Premium Deferred Indexed Annuities Get Guaranteed Income forlife! True Innovation from LSW the Trusted Leader in Flexible Premium
More informationplaintalk about life insurance
plaintalk about life insurance The right life insurance protection can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well
More informationTOI: LTC03I Individual Long Term Care Sub-TOI: LTC03I.003 Other Individual Long Term Care- Other
SERFF Tracking Number: NALF-126305095 State: Arkansas Filing Company: National Life Insurance Company State Tracking Number: 43512 Company Tracking Number: TOI: LTC03I Individual Long Term Care Sub-TOI:
More informationSometimes it s best to start with the basics.
Sometimes it s best to start with the basics. An overview of term life insurance. Protection that s easy and affordable. More things should be that way. Term life insurance is the simplest form of life
More informationGet Guaranteed Income for LIFE!
Life Insurance Company of the Southwest Get Guaranteed Income for LIFE! Consumer Guide For Single Premium Deferred Indexed Annuities Experience Life Form No. 10213(0410) LR11080(0510); Cat. No. 101215
More informationLife Insurance Basics
Craig Chapman, CFP Director - Investments 500 108th Avenue NE Suite 2100 Bellevue, WA 98004 425-709-0520 craig.chapman@opco.com http://fa.opco.com/craig.chapman/ Life Insurance Basics Page 2 of 9 Life
More informationYour guide to Great-West Life Participating life insurance
Your guide to Great-West Life Participating life insurance This guide provides a high-level overview of key features of Great-West Life participating life insurance. After you review this guide, talk with
More informationLondon Life participating life insurance
Your guide to London Life participating life insurance Value, strength and choice What you ll learn from this guide This guide, combined with professional advice from your financial security advisor, helps
More informationCash value accumulation life insurance
Protection, wealth accumulation, and tax benefits all in one policy Cash value accumulation life insurance Allianz Life Insurance Company of North America M-5249 Page 1 of 12 Uncertainty in life is the
More informationWhy rent when you can own?
An Educational Guide for Individuals Why rent when you can own? A comparison of term and permanent life insurance Insurance Strategies Protecting your loved ones with the right amount and right type of
More informationA compelling unbeatable package of guarantees and flexibility. Life insurance protection with optionality SM. CONSUMer Guide
CONSUMer Guide AG Secure Lifetime GUL with Lifestyle Income Solution SM Flexible premium, adjustable death benefit universal life insurance with secondary guarantee provisions Life insurance protection
More informationUniversal Life Insurance Provides benefits to help protect finances during a time of loss*
What if your family had to live without you or your paycheck? Would they be able to afford daily living expenses and still have the financial freedom to enjoy life? CAR GROCERIES TUITION VACATIONS Universal
More informationLife Insurance and Women P ROTE CTION FOR ALL THE ROLE S YOU PLAY
Life Insurance and Women P ROTE CTION FOR ALL THE ROLE S YOU PLAY Life insurance is issued by The Prudential Insurance Company of America and its affiliates. 0253544-00001-00 Ed. 11/2013 Exp. 05/11/2015
More informationLife insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security
Shedding light on Life insurance a practical guide to helping you achieve a lifetime of financial security Learn more about: Safeguarding your loved ones Protecting your future Ensuring your dreams live
More informationProject Number: TC40584(0708) Date Approved in Domicile: 04/24/2000
LTC Riders Flyer/(0708) Filing at a Glance Company: National Life Insurance Company Individual Long Term Care SERFF Tr Num: NALF-125810842 State: ArkansasLH Rider LTC05I Individual Long Term Care - SERFF
More informationSurvivorship Builder. An indexed survivorship life policy AS2000 (04-15)
Survivorship Builder An indexed survivorship life policy AS2000 (04-15) Accordia Life believes in the essence of family. Your family may be a traditional one. It may be a group of people who care for
More informationWhy Rent When You Can Own?
An Educational Guide for Individuals Why Rent When You Can Own? A comparison of term and permanent life insurance Insurance Strategies Contents 1 Protect the Ones Who Matter Most to You 2 Owning Permanent
More informationLife CHECK-UP. A comprehensive review of your life insurance coverage. Birmingham, AL. Birmingham, AL
Life CHECK-UP A comprehensive review of your life insurance coverage Life insurance is issued by West Coast Life Insurance Company (WCL), Birmingham, AL. Product features and availability may vary by state.
More informationLIFE INSURANCE & ANNUITIES. Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: ALMI-18384-D8-XX
Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: LIFE INSURANCE & ANNUITIES ALMI-18384-D8-XX 5450-42287 R E L I A B I L I T Y Life is filled with questions.
More informationA Technical Guide for Individuals. The Whole Story. Understanding the features and benefits of whole life insurance. Insurance Strategies
A Technical Guide for Individuals The Whole Story Understanding the features and benefits of whole life insurance Insurance Strategies Contents 1 Insurance for Your Lifetime 3 How Does Whole Life Insurance
More informationDo You Have the Right Life Insurance?
Do You Have the Right Life Insurance? Having adequate life insurance should be an important part of your financial planning. The type(s) you choose will depend on your needs and goals. Life insurance was
More informationYour guide to Canada Life s participating life insurance. Estate Achiever Wealth Achiever
Your guide to Canada Life s participating life insurance Estate Achiever Wealth Achiever This guide provides an overview of key features of participating life insurance products offered by Canada Life.
More informationLiving Benefits. A Key to Life Insurance. Products issued by National Life Insurance Company Life Insurance Company of the Southwest
Living Benefits A Key to Life Insurance Products issued by National Life Insurance Company Life Insurance Company of the Southwest 10 % National Life Group is a trade name of National Life Insurance Company,
More informationLife Insurance Company of the Southwest
IUL SecurePlus Provider Indexed Universal Life Product issued by Life Insurance Company of the Southwest 10 % National Life Group is a trade name representing various affiliates, which offer a variety
More informationUnderstanding fixed index universal life insurance
Allianz Life Insurance Company of North America Understanding fixed index universal life insurance Protection, wealth accumulation, and tax advantages in one policy M-3959 Page of 6 Understanding fixed
More informationGroup Universal Life Insurance
What if your family had to live without you or your paycheck? Would they be able to afford daily living expenses and still have the financial freedom to enjoy life? CAR GROCERIES TUITION VACATIONS Group
More informationplain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love.
plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. Thinking about life insurance? You re not alone. Canadians generally agree
More informationAccumulator Variable Universal Life
Accumulator Variable Universal Life Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Century II Accumulator Variable Universal Life Features at a
More informationLife100 NWL. Life100. A Comprehensive Universal Life Product. NWL Life 100 an easy, affordable way to take care of all your family and business needs
Life100 NWL Life100 Policy Form 01-1121-08 and state variations A Comprehensive Universal Life Product SA-9255.Rev.10.08 NWL Life 100 an easy, affordable way to take care of all your family and business
More informationGive a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance
Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance A CONSUMER GUIDE FOR ILLUSTRATION UNDERSTANDING IN JUVENILE GIFTING SCENARIOS: USING GUARDIAN WHOLE LIFE PAID-UP AT AGE 65
More informationTERM OR PERMANENT LIFE INSURANCE
TERM OR PERMANENT LIFE INSURANCE WHICH OPTION IS RIGHT FOR YOU? It s the age-old life insurance question: Should you buy term or permanent life insurance? Some personal finance experts would have you believe
More informationInsurance. Survivorship Life. Insurance. The Company You Keep
Insurance Survivorship Life Insurance The Company You Keep Permanent Life Insurance Protection for Two People You ve built a legacy, but who will be the recipients your heirs or the IRS? 1 Now is the time
More informationLife Insurance Basics
EBNY Financial, LLC Kevin Kautzmann, CFP Certified Financial Planner 80 Fifth Avenue #1403 212-269-2625 kevin@ebnyfinancial.com www.ebnyfinancial.com Life Insurance Basics July 08, 2014 Page 1 of 9, see
More informationIncome. Death. Life Insurance. Beyond the LIFETIME. Tax-Free Retirement Strategy. Needs. Helping Achieve. With Permanent Life Insurance
Tax-Free Retirement Strategy With Permanent Life Insurance Life Insurance Beyond the Death Benefit Helping Achieve LIFETIME Income Needs Products issued by National Life Insurance Company Life Insurance
More informationHow To Get A Universal Life Insurance Policy
Universal Life What is it? Permanent (cash value life) insurance with flexible premiums Universal life is a form of permanent (cash value) insurance. Your cash value receives a guaranteed minimum interest
More informationThe Flexibility of Cash Value Life Insurance
Advanced Markets The Flexibility of Cash Value Life Insurance Beyond Protection With today s focus on value and flexibility, cash value life insurance comes into its own. Beyond its main purpose of death
More informationLifetime Income Benefit Rider
for a secure Retirement Lifetime Income Benefit Rider (ICC13 R-LIBR.1)* with Enhanced Death(13Benefit or R-LIBR-EDB.1)* Wellbeing Rider (13 R-LIBR-W.1)* for use with Fixed Indexed Annuities Included automatically
More informationLifetime Income Benefit Rider
for a secure Retirement Lifetime Income Benefit Rider (LIBR-2010)* Included automatically on most Fixed Indexed Annuities** for use with Fixed Indexed Annuities *May vary by state. Not available in all
More informationWhole life insurance. 5-minute guide. The promise of life insurance.
Whole life insurance 5-minute guide The promise of life insurance. Keep your promise As a spouse or parent, you ve made a commitment to take care of and provide for your family. If you ve built your own
More informationDesigned for growth. Destined to provide. ULTRA INDEX SM UNIVERSAL LIFE INSURANCE LBL7376-2
Designed for growth. Destined to provide. PRODUCT OVERVIEW ULTRA INDEX SM UNIVERSAL LIFE INSURANCE Designed for growth. Destined to provide. Taking care of your family means more than protecting them.
More informationLife insurance It s not just for dying anymore. Wednesday, 21 September, 11
Life insurance It s not just for dying anymore Questions Do you need life insurance? How much life insurance do you need? What are the different types of life insurance you can buy? What is the right type
More informationPLAIN TALK about LIFE INSURANCE
PLAIN TALK about LIFE INSURANCE Having the right life insurance protection can have an enormous effect on your life and the lives of those you love. A proper financial security plan can mean the difference
More informationA Story of Guarantees and Financial Versatility
A Story of Guarantees and Financial Versatility Whole Life Insurance A Consumer Brochure for Whole Life Understanding Introduction Whole life is a versatile financial product that provides unique benefits
More informationCaring for longer than a lifetime
Life insurance Caring for longer than a lifetime Your 5-minute Guide Life goes on prepare for it Your love for your family will live forever. However, we all know we won t live forever. Life insurance
More informationA CLOSER LOOK AT LIFE INSURANCE
Equitable Life offers term plans, a participating whole life plan, a non-participating whole life plan and two universal life plans. This chart takes a closer look at and highlights some of the key differences
More informationProtecting Your Loved Ones Every Step of the Way
Protecting Your Loved Ones Every Step of the Way Gerber Life Insurance Company Gerber Life Insurance Company, White Plains, NY 10605 5/10/2011 Gerber Life Insurance Company is a financially separate affiliate
More informationGive a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance
Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance A CONSUMER GUIDE FOR ILLUSTRATION UNDERSTANDING IN JUVENILE GIFTING SCENARIOS: USING GUARDIAN WHOLE LIFE PAID-UP AT AGE 65
More informationLife Insurance Basics
Next Plateau Consulting LLC Frank Washelesky 455 N. Cityfront Plaza Dr. NBC Tower - Suite 2600 Chicago, IL 60611-5379 312-670-0500 fwashelesky@next-plateau.com www.next-plateau.com Life Insurance Basics
More informationUnderstanding the Basics of Term Life Insurance LIFE INSURANCE. Your future. Made easier.
Understanding the Basics of Term Life Insurance LIFE INSURANCE Your future. Made easier. I already have group insurance with my company. Why should I purchase more insurance? Since many companies offer
More informationGuaranteed Protection Universal Life. Discover What s Possible
Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life
More informationWhole Life/Ten Payment Whole Life
Whole Life/Ten Payment Whole Life Vitus Lau Tel: 510.279.2277 VitusLau@finsvcs.com Whole Life/Ten Payment Whole Life Disclosure: The information provided is not written or intended as tax or legal advice
More informationWhy buy life insurance?
Why buy life insurance? Allianz Life Insurance Company of North America M-5173 Page 1 of 8 Discover the many benefits of life insurance Life insurance can be an important and versatile part of your overall
More informationLike all other permanent (cash value) policies, a whole life policy contains the following features:
Whole Life What is it? Permanent (cash value) life insurance Whole life insurance is called permanent protection, meaning the coverage (and possibly the premiums) lasts for your entire (whole) life, as
More informationPlain talk about life insurance
Plain talk about life insurance Questions Do you need life insurance? How much life insurance do you need? What are the different types of life insurance you can buy? What is the right type of life insurance
More informationhelping you make sense of your life insurance options
life insurance helping you make sense of your life insurance options life insurance selection guide Life Insurance Products: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal
More informationPruLife Index Advantage UL
PruLife Index Advantage UL Life insurance protection with a potential cash value growth advantage. Issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey. 0214196 Ed. 01/2015
More informationLife Insurance Buyer's Guide
Life Insurance Buyer's Guide This guide can help you get the most for your money when you shop for life insurance. It can help you answer questions about: Buying Life Insurance Deciding How Much You Need
More informationWealth Achiever participating life insurance illustration Max 20
Wealth Achiever participating life insurance illustration Max 20 Canada Life's permanent participating life insurance gives you a foundation of basic cash value that is guaranteed, tax-advantaged growth,
More informationAdvantage Builder II ABOUT AVIVA. Consumer product guide
ABOUT AVIVA Aviva Life and Annuity Company is part of Aviva USA, one of the fastest-growing life insurers in the United States, with more than 1,115,000 customers and 32,850 agents and distributors. We
More informationYOUR PRODUCT GUIDE. Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term
YOUR PRODUCT GUIDE Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term Life s complicated. Protecting it shouldn t be. There are so many things competing for
More informationAn Educational Guide for Individuals. Gift of a Lifetime. A lasting connection to a child you love. Insurance Strategies
An Educational Guide for Individuals Gift of a Lifetime A lasting connection to a child you love Insurance Strategies Contents 1 A lifetime of benefits 2 Why whole life insurance for a child? 4 Important
More informationProtective Custom Choice SM UL
Protective Custom Choice SM UL Product Guide PLC.6311 (11.12) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they would be financially secure,
More informationLevel Premium Term Insurance
Term Level Premium Term Insurance Is term insurance right for you? One policy. One premium. One company. A multitude of coverages. 10 % Product issued by Life Insurance Company of the Southwest The Accelerated
More informationFinancial Wellness & Education Life Insurance. Understanding life insurance
Financial Wellness & Education Life Insurance Understanding life insurance For all of life s stages People require financial protection at virtually every stage of their lives. As you get older, the amount
More informationLSW FlexLife Indexed Universal Life Insurance
Indexed Universal Life Insurance Prepared on March 26, 2014 for The Client Presented by Trusted Agent 1 National Life Drive Montpelier, Vermont 05604 802 229-3333 Life Changes. Protect It. Product Issued
More informationDestiny. a guide for clients
Destiny a guide for clients 1 For those who prefer choice over chance Destiny is universal life insurance that provides a broad spectrum of choices to protect your life, your investments, and your business.
More informationLife Insurance Life Advice
Life Insurance Life Advice What to look for in life insurance Deciding to protect those who depend on us with a sufficient amount of life insurance protection is a responsible and caring act. Life insurance
More informationLife Insurance Protection for Your Working Years
Life Insurance Protection for Your Working Years Issued by Pruco Life Insurance Company or, in New York if available, by Pruco Life Insurance Company of New Jersey. 0194055 0194055-00001-00 WorkLife 65
More informationLife Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL
Life Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL This brochure must be accompanied or preceded by a product brochure. Issued by Pruco
More informationIUL Sales Kit. 800-776-4647 www.cpsimis.com
IUL Sales Kit 800-776-4647 www.cpsimis.com Table of Contents Page 3 4 Accelerated Benefits Rider Q&A Brochure Page 5 19 Full Accelerated Benefits Rider Brochure Page 20 21 Lifetime Income Benefit Rider
More informationPermanent Benefit Group Life Insurance Under Code Section 79
Permanent Benefit Group Life Insurance Under Code Section 79 Expanding the Benefits of Group Life Insurance Advantages of Permanent Benefit Group Life Insurance. Giving employees the option to use cash
More informationLIFE INSURANCE OVERVIEW
LIFE INSURANCE OVERVIEW Most people think of life insurance in terms of death benefit protection. However, today s policies also provide the vehicles for meeting other goals, such as saving for retirement
More informationLIFE INSURANCE IN RETIREMENT PLANNING
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS PROTECTION AND POTENTIAL INCOME LIFE INSURANCE IN RETIREMENT PLANNING CONCEPT KIT NOT FOR CONSUMER USE. 0251129-00001-00 Ed. 09/2013 Exp. 03/23/2015 DID
More informationForesters. A guide to. life insurance
Foresters life insurance A guide to life insurance What is life insurance? Life insurance is a contract between an insured person and a life insurance provider that pays out a lump sum of money to a beneficiary
More informationGroup Term Life Insurance
AIG Benefit Solutions Benefits Brochure Group Term Life Insurance A voluntary plan to protect you and your family For the employees of Hallkeen Management Policies issued by: American General Life Insurance
More informationA Guide to Life Insurance for Small Business SUN LIFE FINANCIAL
A Guide to Life Insurance for Small Business SUN LIFE FINANCIAL For a small business owner, group life insurance and qualified plans may not be adequate to protect the business from unforeseen risks or
More information4-Step Guide to Life Insurance
TIAA-CREF Life Insurance Company 4-Step Guide to Life Insurance Our promise to help you protect what matters most At TIAA-CREF, we understand the need for life insurance our promise is to help you make
More informationPurposes of life insurance include providing financial security, funding business continuation and satisfying estate tax requirements among others.
Life Insurance Frequently Asked Questions What is life insurance? Life insurance is a contract between an insurance company and the insurance policy owner(s). The insurance company pays a cash amount or
More information