Do more with life insurance

Permanent Life polices offer coverage up to life time plus tax-advantages opportunities to protect and increase your retirement savings and income and may allow you to access the benefits during your lifetime.

Permanent Life policies are often customizable and flexible. You choose the amount and frequency of the premium payments, and you select the amount and duration of your coverage, up to lifetime protection. You can access potential cash value during your lifetime for things like supplementing your retirement, paying for college, and purchasing a second home.

A quick comparison

Use this chart to start a conversation with your financial professional. Permanent Life insurance includes* Universal Life, Indexed Universal Life and Variable Universal Life.

  Universal Indexed Universal Variable Universal
Your protection goal Protection up to a lifetime Extended, guaranteed protection You choose the amount and duration of your protection.
Your growth goal Low: Get some growth of your cash value Medium: Grow your cash value with some protection from market loss. High: Aim to build wealth and access your cash value during your lifetime
How your cash value grows1 Interest is earned at a set rate Interest is tied to a market index like the S&P 5002 Interest and cash value fluctuate with the market based on your investment options
Access to cash value Income Tax-free3 Income Tax-free3 Income Tax-free3
What makes it different

Flexibility in setting the premiums and death benefit. And duration/length of time.

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Flexibility to invest in indexed accounts. You can benefit from the market’s upside while gaining protection against the downside. Options to access the cash value during your lifetime.

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These policies have the greatest potential for growth. You may be able to choose where your premiums are invested.

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Medical and long-term care expenses

Paying for health-related expenses, like those generated by long-term care or chronic illness, could burden your family and deplete your portfolio. You can add riders4 to your policy to build in protection for your family and portfolio.

Add more protection to your long-term plan

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Interested in financing your premiums?

Premiums, or the payments you make to purchase the policy, can be structured to meet your needs, allowing you to plan for expenses. Individuals and business owners who need large amounts of protection but don’t want to liquidate assets, can consider financing their premiums.

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Live outside the U.S.?

Life insurance can help diversify your global portfolio.

Learn more about diversifying