Our protection first philosophy analyzes your current life and disability insurance portfolio with a holistic approach. Life insurance pays a specified sum to the beneficiaries upon the death of the insured. It is generally used to provide cash to your family in the event of your death, or it may be used to accomplish other personal, business, and estate objectives. In most cases, life insurance should be designed to replace the insured and Human Life Value (economic value).

There are several types of life insurance policies. The most common types are permanent life insurance and term life insurance. Permanent life insurance provides a lifetime of protection and can accrue cash value and thus offers a lifetime tax efficient wealth-building component.* Term life insurance provides protection only during a specified term and does not create a cash value.

• Whole Life
• Term Life
• Universal Life
• Survivorship Life
• Pension Trust
  
  *Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial representative and refer to your individual whole life policy illustration for more information.