Universal life insurance can provide coverage for your entire lifetime. It offers you the flexibility to pay your premiums at any time and in any amount (subject to some limits), as long as the policy expenses and cost of coverage are met. Universal life policies also have cash value that can accumulate at a fixed interest rate, which you’re able to access through policy loans and withdrawals. 

Fixed index universal life (FIUL) insurance also provides death benefit protection, but it has the potential to accumulate cash value based on positive changes in an external market index or a fixed interest allocation. That gives it the opportunity for greater accumulation potential than traditional universal life insurance; and the built-in annual floor ensures that the cash value will not decrease due to market volatility. With FIUL, the cash value is not directly invested in the market.

Other types of permanent life insurance policies, including variable life and variable universal life insurance, are available in the marketplace. Contact your financial professional for more information. The graph below represents the accumulation potential of fixed products only.

Thinking about the expenses left behind when we die can be uncomfortable, but not planning ahead may leave your family owing thousands of dollars. Final Expense Life Insurance is an economical way to help cover funeral costs and other expenses to ensure there will not be a significant financial hardship on your loved ones.
Policy Features:

• Available to individuals between the ages of 50 - 85
• Available coverage from $5,000 to $30,000
• Coverage will never decrease
• Policy cannot be cancelled as long as premiums are paid
• Death benefits paid directly to the beneficiary of your choice federal income-tax free
• No medical exams required, only a medical questionnaire
• Immediate approval decision made during the point-of-sale interview
• The rate is based on your current age at the time the policy is issued
• Liquidity features in case you have a financial emergency 1
• Your policy's cash value will grow over time
• Accelerated benefits offered 2 :

• Terminal Illness Rider
• Common Carrier Rider

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