Every type of life insurance, one trusted guide
From affordable term protection to wealth-building permanent policies, explore your options below — then let an advisor help you choose with confidence.
Compare coverage types side by side
| Coverage | Lasts | Builds cash value | Best for |
|---|---|---|---|
| Term Life | 10–30 years | No | Income & mortgage protection |
| Whole Life | Lifetime | Yes — guaranteed | Lifelong certainty & legacy |
| Universal Life | Lifetime | Yes — flexible | Flexible premiums & growth |
| Indexed Universal | Lifetime | Yes — index-linked | Growth with downside protection |
| Variable Life | Lifetime | Yes — market-invested | Hands-on investors |
| Final Expense | Lifetime | Yes — modest | Funeral & end-of-life costs |
| Group & Employee Life | While employed | Typically no | Employers & teams |
| Mortgage Protection | Your mortgage term | No (term-based) | Homeowners with a mortgage |
| Children's Whole Life | Lifetime | Yes — guaranteed | Children & grandchildren |
Term Life Insurance
Straightforward, affordable protection for a set period — typically 10, 20, or 30 years. If something happens during the term, your family receives a tax-free payout to replace your income, pay the mortgage, and stay on their feet.
The most coverage for your dollar
Healthy 35-year-olds can secure $500,000 for around $24/month.
Simple to understand
Level premiums and a clear end date — no moving parts.
Convertible
Switch to permanent coverage later without a new medical exam.
Best for
- Young families & new parents
- Homeowners with a mortgage
- Anyone wanting maximum coverage for less
Illustrative rate for a healthy non-smoker, age 35.
Whole Life Insurance
Permanent protection that never expires, with premiums that never rise and a cash value that grows — guaranteed — every single year. A cornerstone for families who want certainty and a lasting legacy.
Coverage for your entire life
As long as premiums are paid, your beneficiaries are protected.
Guaranteed cash value
A tax-advantaged asset you can borrow against for emergencies or opportunities.
Potential dividends
With participating policies, you may receive annual dividends from the insurer.
Protection today, value for tomorrow.
Whole life pairs a guaranteed death benefit with a growing cash reserve you can tap during your lifetime.
Universal Life Insurance
Permanent coverage with the freedom to adjust. Raise or lower your premiums and death benefit as life changes, while your cash value earns interest over time.
Adjustable to your life
Modify payments and coverage as your income and needs evolve.
Interest-earning cash value
Accumulates on a tax-deferred basis, with a guaranteed minimum rate.
Long-term efficiency
Use accumulated value to help cover premiums in later years.
Why families choose it
- Want permanent coverage with flexibility
- Have variable or growing income
- Value tax-deferred accumulation
Indexed Universal Life (IUL)
Tie your cash value growth to a market index like the S&P 500 — capturing upside potential while a guaranteed floor protects you in down years. A powerful tool for tax-advantaged retirement income.
Index-linked growth
Earn interest based on a market index's performance, up to a cap.
0% downside floor
When the market drops, you don't lose cash value to index losses.
Tax-free income potential
Access cash value through policy loans for a supplemental retirement stream.
Participate in growth. Protect against loss.
IUL is ideal for those seeking more growth than whole life, without the full market risk of variable policies.
Variable Life Insurance
Combine permanent protection with the highest growth potential by investing your cash value in professionally managed sub-accounts — similar to mutual funds. Best suited to experienced investors comfortable with market risk.
Choose your investments
Allocate cash value across a menu of equity and bond sub-accounts.
Highest growth potential
Cash value can grow significantly when markets perform well.
Permanent death benefit
Your beneficiaries remain protected regardless of market swings.
Variable life involves investment risk, including possible loss of principal. Offered with a prospectus through licensed representatives.
Discuss variable lifeConsider it if you
- Are a confident, long-term investor
- Have maxed out other tax-advantaged accounts
- Want active control over growth
Final Expense Insurance
A compassionate, affordable way to spare your loved ones from funeral, medical, and end-of-life costs. Smaller benefit amounts, easy approval, and no medical exam — designed especially for ages 50–85.
Covers what matters at the end
Funeral expenses, outstanding bills, and final gifts to family.
No medical exam
Qualify with a few simple health questions — coverage you can count on.
Budget-friendly
Premiums starting around $30/month, locked in for life.
Leave peace of mind, not paperwork.
Final expense coverage means your family can grieve without the burden of unexpected costs.
Group & Employee Life Insurance
Offer your people meaningful protection with affordable group life coverage — a benefit that helps you attract and retain great talent, with simple administration and, for many groups, no individual medical exams.
A valued workplace benefit
Strengthen your benefits package and show your team you genuinely care.
Simple to set up & administer
Streamlined enrollment and billing, with guaranteed-issue options for eligible groups.
Affordable group rates
Coverage is typically far more cost-effective than comparable individual policies.
Best for
- Small & growing businesses
- Employers building a benefits package
- Organizations & associations
Mortgage Protection Insurance
Make sure your loved ones can stay in the home you've built together. Mortgage protection is designed around your loan, so the remaining balance can be paid off if something happens to you.
Matched to your mortgage
Benefit amount and term align with your loan, so the home stays protected.
Keep your family in their home
Your beneficiaries can pay down or fully pay off the remaining mortgage.
Affordable & straightforward
Simple, budget-friendly protection — often with no medical exam required.
Keep the home, whatever happens.
Mortgage protection ensures one of life's biggest commitments never becomes a burden for the people you love.
Children's Whole Life Insurance
Give a child a lifetime of protection and a financial head start. Children's whole life locks in low premiums, builds guaranteed cash value, and secures their future insurability — no matter what their health may bring.
Lifelong, locked-in rates
Premiums stay low and level for life when secured at a young age.
Guaranteed insurability
Protects their ability to add coverage later, regardless of future health.
Builds cash value
A growing, tax-advantaged asset they can draw on as adults.
Best for
- Parents & grandparents planning ahead
- Families wanting guaranteed insurability
- A meaningful, lifelong gift
Let's find your perfect coverage together
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