Whole Life:

• Level Premiums are paid to age 100

Universal Life:

• Flexible- You decide the amount of Life Insurance, benefits and premium payments.

• Secure- Your loved ones from Financial Hardship should the unexpected occur.

• Death Benefit- Life insurance proceeds are usually income tax free to the beneficiary.

• Guaranteed Interest Rate- Earn while your family is protected. The interest rate at which the account value grows is guaranteed never to drop below a defined level.

Term Life:

Term life insurance can be purchased in large amounts for an initially small premium. It's well-suited for short-range goals, such as coverage to pay off a loan or provide extra coverage for families with young children.

• Affordability- initially purchase a large amount of coverage for a small premium.

• Renewable- you have the option to renew coverage at the end of your desired term.

• Convertible- exchange a term policy for a permanent policy when you need.

• Death benefit- life insurance proceeds are generally income tax free to the beneficiary.

Mortgage Redemption:

• If you die before the mortgage is paid off the insurance policy will pay it off.

• Your whole life or variable life policy accumulates cash value.

• The beauty of the plan is that you get both mortgage life insurance and mortgage redemption life insurance in one.

Variable Life:

• If you are looking for a life insurance policy that allows you the ability to invest and earn dividends while still providing you death benefits as well as the flexibility of premium payments, variable life insurance is for you.

• Variable life insurance policies give you the power to make your insurance work for you.