Life Insurance/Mortgage Protection
Life Insurance/ Mortgage Protection
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Term Life Insurance
Term life insurance provides coverage for a set period—usually 10, 20, or 30 years. It’s designed to replace income, protect the mortgage, and financially safeguard your family during the years they need it most. Term is typically the lowest-cost way to get a high amount of coverage.
Whole Life Insurance
Whole life insurance lasts for your entire lifetime and builds guaranteed cash value that grows tax-advantaged. Premiums never increase, coverage never decreases, and the policy can be used for long-term planning, final expenses, or leaving a legacy. It’s a stable, reliable form of lifelong protection.
Indexed Universal Life (IUL)
An IUL offers lifelong protection while allowing the policy’s cash value to grow based on the performance of a market index—without participating directly in the market, and with downside protection. You can adjust premiums and death benefit amounts, and the tax-advantaged cash value can be accessed for retirement income or other needs.
Annuities
Annuities are financial contracts that provide steady, reliable income, either now or in the future. They help protect your retirement savings from market volatility and can be structured to pay for life. Some offer bonuses, guaranteed growth, or market-linked interest with downside protection, making them a powerful retirement stability tool.