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provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage. 

is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Permanent life insurance accumulates cash value and is priced for you to keep it over a long period of time.

It will take care of your family or business if you die too soon. It will take care of you if you live long. It can provide a substantial income stream by using the accumulated cash values. Even better, this income can be paid income-tax free. Taxable income would require 20 percent to 40 percent higher payouts to provide the same “net” income.

is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.   

is available as whole life or universal life – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

The demise of traditional pension plans means many retirees face the possibility of outliving their savings. Social Security is a safety net for most people, but it was never meant to be a full retirement plan. To make sure your money—and your lifestyle—will last as long as you do, consider purchasing a lifetime annuity. Think of an annuity as a do-it-yourself pension plan. You provide a lump sum of money to an insurance company and in return you get a guaranteed stream of regular payments for the rest of your life (or for some specified period).

 offer the advantage of tax-deferral and can be used to accumulate money for retirement.

are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life.

An income annuity where income payments begin immediately - one period after the annuity is puchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work. Think about it. What would happen if suddenly, due to an illness or injury, you were unable to work? Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t be long at all: Protect Your Paycheck.

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