Life Insurance

To plan for the future means to make certain commitments today. Life insurance is a crucial element of family planning because it ensures the financial security of the beneficiaries after the policyholder's death.

A life insurance policy provides you and your family with peace of mind. After all, it's nice to know that your loved ones are protected and can benefit from the fruits of your labor so they can invest in their own future.

Accelerated Benefits Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury. The use of the benefit is unrestricted with the exception that ABR proceeds for chronic illness in the state of Massachusetts can only be used to pay for expenses incurred for Qualified Long-Term Care services.* Since the benefit is unrestricted, once you qualify, you can use the benefit for any reason. Benefits might be used for, but are not limited to:

• Household expenses
• Adult Day Care
• Home modifications
• Regular bills
• Nursing home care
• Quality of life expenditures

We also provide solutions on the following life insurance policies:

• Permanent life insurance, including:
• Whole Life, Universal Life, Limited Pay, and Endowment
• Temporary Life Insurance (Term)
• Accidental Life Insurance