Insurance
Your financial plan isn't complete if one unexpected event could derail it. The right protection strategies can help safeguard your income, family, assets, and financial goals.
Protecting the ones you love
LIFE INSURANCE
Whole life insurance is designed for individuals who value long-term protection, predictable premiums, and guarantees. It can provide lifelong coverage while also building cash value over time.
Key Features
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Lifelong protection with a guaranteed death benefit, as long as policy requirements are met
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Cash value growth that can provide an additional financial resource over time
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Predictable premiums designed to remain level throughout the life of the policy
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Potential dividends that may provide additional value, depending on the insurance company’s performance and dividend declaration
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Long-term financial flexibility through the policy’s cash value and other available features
Universal life insurance may be a good fit for individuals who want lifelong coverage with flexibility. It combines a death benefit with the potential to build cash value based on interest credited to the policy.
Key Features
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Flexible premiums that may be adjusted within the policy’s guidelines
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Flexible coverage that can be adjusted as your needs change, subject to policy requirements
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Cash value growth based on an interest rate determined by the insurance company
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Interest rate protection with a guaranteed minimum rate specified by the policy
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Potential for additional interest credits when the policy’s credited rate exceeds the guaranteed minimum
Indexed universal life insurance may be a good fit for individuals who want life insurance protection while also focusing on long-term cash value growth for goals such as supplementing retirement income.
Key Features
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Flexible death benefit that can be adjusted as needs change, subject to policy requirements
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Flexible premiums that may be adjusted within the policy’s guidelines
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Potential for cash value growth based on an interest-crediting strategy linked to the performance of a market index, such as the S&P 500
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Protection from market losses through policy guarantees designed to help protect cash value from negative index performance
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Tax-advantaged cash value potential that may provide additional financial flexibility during your lifetime
Variable universal life insurance may be a good fit for individuals who want life insurance protection with greater control over how their policy’s cash value is invested.
With a variable policy, you can choose from a range of investment options based on your goals, comfort level, and risk tolerance. Because these investments are subject to market fluctuations, the policy’s cash value can increase or decrease over time, including the potential loss of principal.
Key Features
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Flexible death benefit that can be adjusted as your needs change, subject to policy requirements
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Flexible premiums that may be adjusted within the policy’s guidelines
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Choice of investment options, including professionally managed stock, bond, and money market sub-accounts
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Growth potential based on the performance of the investment options you select
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Investment risk — cash value fluctuates with market performance and may lose value, including principal
Important Information
Variable life insurance involves investment risk and is different from traditional life insurance products. Guarantees are based on the claims-paying ability of the issuing insurance company and do not protect the value of the policy's investment options.
Variable contracts are sold by prospectus. Before purchasing a variable contract, carefully consider its investment objectives, risks, charges, and expenses. The prospectus contains important information about the contract and its investment options and should be reviewed before making a purchase.
Term life insurance may be a good fit for individuals who want affordable life insurance protection for a specific period of time, particularly when they have significant coverage needs or a temporary financial obligation.
Key Features
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Affordable coverage designed to provide protection during a specific period
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Death benefit payable to beneficiaries if the insured passes away during the coverage period
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Level premiums that can remain consistent throughout the selected term, depending on the policy
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No cash value accumulation — term insurance is focused primarily on providing death benefit protection
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Flexible coverage periods that may range from a set number of years to coverage through a specified age
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Lower initial premiums compared with many permanent life insurance policies, making it an option for those seeking substantial coverage within a budget
Depending on your needs, life insurance can provide a financial safety net for your loved ones when the unexpected happens. It can also play a broader role in your financial strategy, helping you prepare for important goals such as funding education, growing your business, or creating additional income in retirement.
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Protect your biggest asset
DISABILITY INSURANCE
Income protection can help safeguard your ability to earn a living by replacing a portion of your income if an illness or injury prevents you from working. This financial support can help you stay on top of everyday expenses, protect your savings, and focus on your recovery without the added stress of lost income.
For healthcare professionals —including medical students—protecting your ability to earn an income is about more than your paycheck. It’s about protecting the years of education, training, and investment you’ve made in your career.
Income protection can help safeguard your business by providing funds to cover essential expenses if an owner or key person becomes too sick or injured to work. It can also be a valuable employee benefit, helping you attract and retain the people who are essential to your business.
LONG-TERM CARE
What is Long-term care and Will I Need It?
Many people assume they won’t need long-term care, but the need can arise at any age due to chronic illness, injury, or other circumstances that make it difficult to live independently. Health insurance and Medicare typically don’t cover the full cost of long-term care, which is why having a plan in place is important. Our advisors can help you explore options designed to protect you, your loved ones, and what you’ve worked hard to build.
Give Your Family Peace of Mind
Having a plan can take some of the financial pressure off your loved ones, giving everyone more time to focus on your care and well-being.
Preserve Your Legacy
Planning ahead can help protect the assets you hope to leave behind for your family, loved ones, or charitable causes.
Protect What You’ve Built
The cost of care can add up quickly. A long-term care plan can help protect the savings and assets you’ve worked so hard to build.
Have More Choices
Whether you’d prefer to receive care at home or in a facility, planning ahead can give you more flexibility when the time comes.
Access the Care You Need
Having a plan in place means you can focus on getting the care you need without having to worry as much about how you’ll pay for it.
Long-term Care
Reasons to Plan Ahead
Plan for Financial Confidence
INCOME ANNUITIES
Income annuities can provide a dependable stream of income during retirement, helping you plan for the years ahead with greater confidence. Because income can continue for life, an annuity can help reduce the worry of outliving your savings. It can also provide a source of income that’s less dependent on market performance or changes to Social Security.
Many income annuities offer optional death benefit features designed to provide value to your loved ones if you pass away before income payments begin. Depending on the annuity, your beneficiaries may receive a benefit based on the amount you contributed.
