Life insurance

Planning to meet your needs

A life insurance policy can play a key role in providing a lifetime of financial security for you and your family.

A life insurance policy can play a key role in providing a lifetime of financial security for you and your family.
Life insurance is an asset that can play a variety of financial security roles throughout your lifetime.

Term life insurance

Term life insurance is well suited to meeting large, short-term protection for the lowest initial cost. For example, a couple with young children and/ or a mortgage might select term life insurance as an affordable way to obtain the full coverage they need today.

Term life insurance policies do a good job of meeting immediate needs and are renewable after 10 or 20 years without providing proof of health.

Participating life insurance

Participating life insurance give you a foundation of guaranteed values and tax advantaged growth, plus the opportunity to receive policy owner dividends.

The cash value accumulates within the policy on a tax-advantaged basis. If you need to, you can withdraw cash or borrow against its value. Withdrawals may be subject to tax.

Participating life insurance protects you for a lifetime.

Universal life insurance

Universal life insurance provides a traditional life insurance component with a tax-advantaged investment component. You select an investment mix that is as individual as you are—taking into account the amount of investment risk you’re comfortable with and your financial goals and circumstances. This type of policy is attractive for people who want to actively manage their life insurance policy.

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