Term Life
A great option if you want an affordable, short-term policy that’s in tune with where you are in life, our Term Life lets you choose the coverage and the term with guaranteed rates on our 10, 15, 20, 25 and 30-year level policies.
Customize your coverage to meet the specific needs of your family with options that:
- Waive your premium if you become totally disabled
- Provide an increased benefit in the event of accidental death
- Cover your children
Whole life
Whole Life provides permanent coverage – for as long as you live and continue to pay premiums. Premiums stay the same no matter your age. Because your policy builds cash value over time, whole life is a good option for meeting your long-term financial goals.
Whole Life is a perfect option to start saving for your children's college fund, for your retirement, or for your final expense needs.
Customize your policy to meet the specific needs of your family with options that:
- Waive your premium if you become totally disabled
- Provide an increased benefit in the event of accidental death
- Cover your children
- Increase coverage on the primary insured at low cost
- Add term coverage for another person on the same policy
Universal life
Our Universal Life plans provide flexible, permanent coverage you can tailor to meet your needs while earning a competitive interest rate. You determine the premium within a range that fits your budget and choose from a wide range of options, including long-term care.
With Universal Life, you can:
- Earn interest, tax-deferred, on your cash value
- Choose a level or increasing benefit level
- Apply for coverage up to age 85
Customize your policy to meet the specific needs of your family with options that:
- Waive your premium if you become totally disabled
- Provide an increased benefit in the event of accidental death
- Cover your children
- Add term coverage for an additional individual on the same policy
- Cover long-term care expenses
Employee benefits
If you’re building a business, you know it’s a challenge to attract and retain the best employees. With our Sensible Benefits program, you can add life insurance to your benefits package – without increasing your expenses. Your employees choose the coverage that’s right for them and pay through the convenience of payroll deduction – all for as little as $3 per week.
Your employees can:
- Customize their coverage to meet the needs of their families
- Choose from affordable term and permanent plans
- Add coverage for their spouse or children
- Take the policy with them if they change jobs
Annuities
Looking ahead to retirement? Plan ahead with an annuity that keeps your retirement savings growing. Unlike CDs or other investments, your money grows tax deferrred. When you're ready to retire, you can choose a payout option that meets your needs – lump sum, income for life, or over a specific period of time.