Life
A vital safeguard that secures your family's financial future by covering mortgage payments, education expenses, and daily costs—providing peace of mind in life's uncertainties.
Coverage
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Death Benefit
A one-time payment to the policy's beneficiaries upon the insured's death, covering expenses like funeral costs, mortgage payments, debts, and daily living expenses.
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Permanent
Whole life and universal life insurance provide lifelong coverage with premium payments. They include a cash value that grows over time and is accessible to the policyholder during their lifetime.
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Term
Offers coverage for a defined duration, like 10, 20, or 30 years. Should the insured pass away within the policy term, the death benefit will be disbursed to the beneficiaries.
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Riders
Common riders include accelerated death benefit riders that allow access to part of the death benefit upon a terminal illness diagnosis, and waiver of premium riders that eliminate premiums if the insured is disabled.
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Cash Value Accumulation
Policies build cash value accessible via loans or withdrawals. This can supplement retirement income, pay college tuition, or cover emergencies.