The right life insurance policy lives alongside you, giving you options for protection and opportunities to grow as your life changes and priorities shift.
It can help you protect your loved ones, keep your hard-earned savings secure, provide supplemental income1 when you need it, and help reduce your taxes. Here’s how to start thinking about life insurance.
Identify your goals
Financial planning is an essential part of creating the life you want. Adding life insurance to your retirement portfolio can benefit the people and organizations you care about.
Questions to consider
What do I need to protect? Everyday expenses, childcare, medical expenses, college tuition, or wedding plans?
Am I worried about taxes for myself or my family?
Is my retirement portfolio going to last? I’ve maxed out my traditional resources, and I don’t think it’s enough.
What would happen to my business if something happened to me or my key employees?
Know your options
There are two main types of life insurance: “Term Life” and “Permanent Life.” Term Life provides coverage for a temporary period of time (e.g., 10, 15, 20 or 30 years). Permanent Life offers options for coverage up to your lifetime and allows you to grow and access the cash value of your policy. Determine which type is right for you.
Understand the process
When you apply for a life insurance policy, you’ll need to provide information about your health. We try to make it as easy as possible — you may not need a medical exam and may even be able to apply by phone. See how easy it can be to apply.
Benefit from experience
For over a century, more than 17 million Americans have relied on us for superior life insurance options and exceptional customer service. We design our products for life, meeting both your current needs and future goals.