Types of LIFE Insurance

---

 More flexibility but the same lifelong coverage

Like Whole Life, Universal Life is considered a permanent life insurance policy. So what's different? Universal Life gives you the flexibility to adjust both your payments and payout amounts as your journey unfolds.

You may be able to adjust how much you pay into your policy as long as you keep enough available cash value

You have the ability to increase or decrease your death benefits

You can borrow against a portion of your policy's cash value to help you pay for the unexpected

Riders help you customize your policy with options like disability waivers, extending coverage and covering your kids

With our Whole Life options, you can help make sure your loved ones receive guaranteed benefits after you're gone - no matter when that is.

The cost of your policy will stay the same so you know what to expect.

Although not guaranteed, we have a history of paying dividends to our policy holders.

Feel good knowing your loved ones will receive their benefits on the terms you've defined.

 There when you need it

Whether you only need coverage to a certain age or a guarantee that can last a lifetime, you can select the guarantees that work for you.

If your circumstances change or you no longer need life insurance, the Guaranteed Cash-Out Rider may be your way to restore financial stability.

Should you become terminally ill, a full or partial accelerated death benefit may be available to you, providing an unrestricted cash benefit for you to use for any purpose.

 Earning opportunities that you can pass on

Your policy can be tied to a particular stock index, such as the S&P 500®, and earn credited interest based on its performance. As an added benefit, your policy will never be credited a negative interest rate.

1. Flexible Premiums - you may be able to make adjustments to your payments as long as your policy has enough value
2. Flexible Benefits - Policies may allow you to increase or decrease certain benefits
3. Loan Access - You can borrow against a portion of your policy in order to meet unexpected financial needs
4. Optional Riders - Many policies offer riders that can be customized to help you accelerate benefits, change and even extend your coverage