Life insurance offers peace of mind as it relates to the equitable distribution of assets to heirs; providing ready funds to pay estate taxes and settlement costs without the delay and costs of probate; and by furnishing a significant increased cash death benefit to beneficiaries.
Life products offer specialized options to help protect and manage your estate.
- is relatively inexpensive and provides a tax-free death benefit to your beneficiaries with coverage for a fixed period of years (5, 10, 15, 20 and 30) depending on your age at the time of purchase. Term life does not accumulate cash value.
helps pay for final expenses upon death. These plans usually provide up to $25,000 to $30,000 in benefits and often do not require medical examinations. However, issuance of a policy is often not guaranteed and may depend on answers to questions set forth in an application.
accumulates cash value and earns interest, income tax-free while providing an income tax-free death benefit to your beneficiaries. If an emergency arises the insured has access to these funds by borrowing against the acquired cash value or by asking for a partial surrender of these values.
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For more helpful information, take a look at the Estate Planning Guide.
To help determine how much life insurance you should have, try out our
life insurance needs