Whole life insurance offers coverage that can last a lifetime, with the security of guarantees for you, your family or business. The income tax-free death benefit can provide financial security for those who depend on you. The funds may be used to provide an income, pay off debts, ensure a child can go to college or protect a family business. A whole life policy also accumulates cash values that can help you achieve your financial goals.

WHOLE LIFE

Universal life insurance is all about flexibility. When life changes, a universal life policy makes it possible to adjust your protection to fit your needs. As your family grows, your business expands or your income and responsibilities increase, your premium and coverage amounts can be adapted to your new circumstances. Universal life is designed to provide lifetime insurance protection and cash value accumulation under one policy.

UNIVERSAL LIFE

With variable life insurance, a portion of each of your premium payments can be invested in your choice of investment options. These portfolios are managed by respected names in the mutual fund industry. You have the freedom and flexibility to choose any number and combination of investment options and money managers to suit your goals and risk tolerance — all within the convenience of one product. Of course, investing does include the risk of loss, including principal.

VARIABLE LIFE

Term life insurance provides guaranteed benefits over a specified period of time. A term life policy is ideal for someone who wants affordable life insurance protection during important life events such as marriage, birth or adoption of children, buying a new home or starting a business.

TERM INSURANCE

Provides you with a monthly income if you are sick or injured and cannot work.If you have an illness or injury that makes it impossible for you to work, disability income insurance can provide you with a portion of your lost income. The benefits are paid monthly to help with your mortgage, car payments or living expenses, or to keep your business running without you. We offer a variety of plans that can help keep your life moving while you get back on your feet.

DISABILITY INSURANCE

• Familly Income Plan: A combination of whole life insurance with a dercreasing term rider

• Family Maintenance Policy: A combination of whole life insurance with a level term

• Familly Protection Policy: A policy that provides protection for all family members

• Juvenile Insurance: A policy written on children for one day-old to 15/16 years of age

FAMILY POLICIES