Term Life

A life insurance policy which provides a stated benefit upon the holder's death, provided that the death occurs within a certain specified time period.

Whole Life

Life insurance which provides coverage for an individual's whole life, rather than a specified term. A savings component, called cash value or loan value, builds over time and can be used for wealth accumulation... read more

Universal Life

Life insurance which combines the low-cost protection of term insurance with a savings component that is invested in a tax-deferred account... read more

Disability

A major focus for many families during financial planning is life insurance. The loss of one spouse in a two-income family can be financially and emotionally devastating... read more

Equity Indexed Universal Life

Equity indexed life insurance, like all permanent life insurance, currently offers three distinct tax advantages that in combination are not found in any other insurance or cash accumulation product... read more

Annuities

An investment vehicle offered by an insurance company, that guarantees a stream of fixed payments over the life of the annuity. The insurer, not the insured, takes the investment risk. also called fixed dollar annuity.

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