“Why do I need life insurance?”
If you unexpectedly pass away, you won’t have to worry about a loved one struggling to pay for your funeral and other final costs.
Protect Your Family
Life insurance relieves your family of potential financial burdens such medical bills, mortgage payments, debts and tuition resulting from yours or your loved one’s untimely death.
Build Financial Security
As long as your premiums are paid, some plans provide guaranteed protection with steady, tax-deferred cash value growth accessible in times of need throughout the life of the policy.
Lean on Decades of Experience
With 60 years of experience, we understand that everyone has unique life insurance needs. Whether you’re looking for life insurance for debt security, lifestyle protection, or income replacement, we have the experience and expertise to help you design a life insurance solution to fit your needs.
Our most affordable guaranteed whole life policy when you need permanent lifetime protection. Whole Life+ provides permanent life insurance coverage with guaranteed death benefits and cash values, as long as premiums are paid and for as long as you live. Customization options are available.
Pay for Full Benefits in Just Eight Years with Accumulator 8
A limited-pay whole life insurance policy requiring eight years of premiums and provides guaranteed paid-up life insurance protection for your entire lifetime. Customization options are available.
Pay for Full Benefits in Just 15 Years with Accumulator 15
Permanent life insurance to meet a variety of protection needs with strong guarantees and cash accumulation. Accumulator 15 is a limited-pay whole life insurance policy requiring 15 years of premiums and provides guaranteed paid-up life insurance protection for your entire lifetime.
Protect Your Child’s Future in Just 15 Years with Accumulator 15 Junior
A limited-pay whole life insurance to give your child a bright financial future. This policy accumulates tax deferred cash value to pay for your child’s college education and other future needs in just 15 years. Customization options available.
Lifeguard Elite Answers the Important Questions
“If I pass away, who will pay my mortgage? Or repay any debt I have? Will my children be able to afford college?”
This affordable level-premium term life insurance with guaranteed level premiums, death benefit and convertibility to permanent life insurance. A simple, cost-effective solution to protect against the unexpected with affordability, customization, and convertibility.
Frequently Asked Questions
If you want peace of mind that, in the event of your passing, your loved ones will be financially secure, you may want to consider life insurance. Our life insurance products can help:
- Pay final expenses
- Protect your family from financial loss
- Pay off debts
- Replace income
- Create college funds
- Pay medical expenses
- Create an estate
- Retirement planning
Everyone’s financial goals, concerns, and needs are different. Here are a few questions to ask yourself when deciding what insurance policy is best for you:
- Who do I want to protect?
- How long will they need financial support?
- Does anyone have a disability or other specific needs?
- How much debt do I have?
- How much savings do I have?
- Am I planning on contributing to any child’s college education?
- Will my partner or spouse need help funding their retirement?
- What are my financial goals for my life insurance?
After answering these questions, give us a call or reach out to one of our brokers or agents to discuss your options. Life insurance is typically the second largest financial investment you’ll make in your lifetime, second only to the purchase of a home. We want to help you maximize your investment.
Generally, we recommend that the first person to get life insurance is the main income earner of your family. This makes sure that your spouse and children are fully protected before you decide to buy additional insurance. For households with dual incomes, it’s important to protect the income capacity of both spouses. It’s also common to buy life insurance for a non-wage-earning spouse to protect the family from unexpected childcare and household expenses.