Life insurance that fits your needs and budget
Learn more about the differences
TERM
Need coverage for a specific time frame? Term life helps with short-term debts, added protection during child-raising years and more.
WHOLE LIFE
This permanent policy protects your family’s future while building cash value that grows tax-deferred. Premiums remain level for the life of the policy.
INDEXED UNIVERSAL LIFE (IUL)
Indexed universal life (IUL) insurance is a type of permanent life insurance that provides a death benefit and a cash value component. The cash value in an IUL policy can grow based on the performance of a stock market index, like the S&P500®.
Term Life, an
Affordable Option
Term life insurance provides death protection for a stated time period, or term. Since it can be purchased in large amounts for a relatively small initial premium, it is well suited for short-range goals such as coverage to pay off a loan, or providing extra protection during the child-raising years.
What is Whole Life insurance?
Whole life insurance helps your family prepare for the unexpected. The guaranteed death benefit can help replace a family's loss of income, help with mortgage costs, or educational needs — or to leave a legacy for the next generation. Over time, these policies build cash value that grows tax-deferred.
Indexed Universal Life (IUL) insurance provides flexibility
Indexed universal life (IUL) insurance is a type of permanent life insurance, which means it can last your entire life and builds cash value. An IUL policy allows for cash value growth through an equity index account, unlike other universal policies that only grow cash value through non-equity earned rates.