Life Insurance
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Life insurance contracts contain exclusions, limitations, reductions of benefits and
terms for keeping them in force. All contract guarantees are based on the claims paying ability of the issuing insurance company. Consult with your licensed financial representative on how specific life insurance contracts may work for you in your particular situation. Your licensed financial representative will also provide you with costs and complete details about specific life insurance contracts recommended to meet your specific needs and financial objectives.
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A Potential Solution for a Lifetime… Cash Value Life Insurance |
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Cash value life insurance is the only financial product with the flexibility to provide
benefits: |
| If You Die... |
Should you die prematurely, the death benefit is
available to help replace your earning power.
This means that funds are available to provide
your family with an income, enable them to
remain in their home, help pay for an education
for your children...whatever the financial needs
that arise at your death, funds will be available
to help meet those needs. |
| If You Become Disabled... |
With the waiver of premium benefit, your plan
can become self-completing in the event of your
disability. This means that if you are sick or hurt
and unable to work, policy benefits will remain
available just as though you were paying the
premiums. |
| If You Live to Retirement... |
Most of us can expect to live to retirement age,
at which time cash value life insurance can serve
as a source of retirement income, while still
maintaining needed life insurance protection.*
This means that the same life insurance that
Protected your family’s financial security during
your working years can continue to play an
important role in helping to provide retirement
security. |
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* Withdrawals and loans will reduce the policy’s
death benefit and cash value available for use. |
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Before purchasing a variable life insurance policy, carefully consider the
contract and the underlying funds' investment objectives, risks, charges and
expenses. Both the contract prospectus and the underlying fund
prospectuses contain information relating to investment objectives, risks,
charges and expenses, as well as other important information. The
prospectuses are available from your licensed financial representative or
the insurance company. You should read them carefully before purchasing a
variable life insurance policy.
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