Life Insurance Products:

Common Uses for Term Life Insurance :
Income Replacement | Debt Repayment | Key Man Replacement | Buy Sell Exit Strategy

Level Premium Guaranteed Term Years 10 | 15 | 20 | 25 | 30.

At the end of all term periods, the term premium can increase substantially, increasing annually thereafter. All our term insurance policies have conversion privileges. Remember to ask us what conversion is and how it is important part of choosing your policy.

Level Premium Guaranteed Term With Return of Premium (ROP) 15 | 20 | 30.

The cummulative premiums paid on the policy during the level term period (15, 20 or 30 years), will be paid to the policyowner at the end of the level term period if the policy is then in force. As a return of premium, the cash value can be used to help offset future premiums to continue the policy or cashed out without any income tax due. Most companies do not include return of substandard and rider charges, if any are applied.

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Common Uses for Flexible Premium Permanent Life Insurance:
Income Replacement |Charitable Gift Replacement | Pension Maximization

These policies offer Guaranteed Level Premium Period for longer than the 30 years. There is flexibility to structure your own extended term period, i.e. to age 80, 40 years, to age 95, or lifetime, to fit your family's life expectancy history.

These policies have flexible premium choices: you can pay for life, or structure a shorter premium payment schedule. Pay for 20 years and have your policy death benefit guaranteed for lifetime or less; your choice.

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Common Uses of Joint Life Suvivorship :
Charitable Gift Replacement | Estate Tax Liquidity | Inheritance Equalization

These policies are flexible permanent life insurance policies that insure two lives, payment of death benefits on the second death. The premium is at a discounted premium in comparison to the single insured policy. 

SEE SAMPLE: