Why Life Insurance Works

• The death benefit can complete college saving plans if wage earner dies

• Cash value in a life insurance policy is not defined as an asset for federal financial aid calculations

• The cash value in a permanent life insurance policy accumulates tax-deferred

• The cash value has no restrictions on use, and as long as the policy is sufficiently funded, the cash value can help with multiple goals. If educational plans or goals change, the cash value can pivot to the new need

• Many types of life insurance offer protection from market volatility.

• Offers early access to the Death benefit through Accelerated Benefits Riders if you experience a qualifying illness or injury.

Insurance For Your Child

We all have hopes and dreams for the future. Life insurance may help those hopes and dreams come true for your child – through every stage of their life.

• Simple and fast to issue

• Less expensive than when bought as an adult

• Locks in insurability when they are healthy

• Has the potential to build cash value

Possibilities of Life Insurance

Life insurance helps your family maintain their standard of living if something should happen to you. Life insurance is a very important choice.

A life insurance policy

• can potentially provide your family with enough money to fulfill their obligations and pursue their dreams

• protects against loss of income if you should die too soon

• helps secure your family’s future even if you are no longer with them

A permanent life insurance policy with cash value may be able to

• help meet accumulation goals, if properly funded, through cash value policy loans and withdrawals, such as:

– helping to fund your children’s education

– supplementing your retirement income

• assist with expenses if you become disabled through the use of living benefit riders

Riders can be added to provide you with benefits you may use throughout your lifetime, called living benefit riders. These riders can accelerate the death benefit should you become ill or injured or potentially provide a guaranteed³ source of retirement income if you live too long. There is a choice of products and riders to help meet any lifestyle.