Life Insurance
Beyond protecting your family: insurance you use while living
A death benefit, plus help when illness comes, plus retirement money.
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Life insurance used to be a product that was only useful once you died. That is no longer the case.
If serious illness or a need for care arrives, you can draw on the benefit early, and the accumulated cash value can become retirement money or an annuity.
Death benefit
The basic safety net for your family.
Living benefits
Draw on the benefit early for serious illness or care.
Cash value
Convert it toward retirement income or an annuity.
Check before you surrender
Before canceling an existing policy, look first at whether there is a better way to use it.
- People depend on you You carry your family's living costs
- Protection and saving You want coverage and a lump sum together
- Reviewing a policy You want more out of insurance you already hold
