Insurance

Life Insurance

Whole Life
Index Universal Life
Universal Life
Term Life
Variable Universal Life

Disability Income Insurance
Life Insurance
Long-Term-Care Insurance

Annuities

Fixed Interest Rate Annuities
Indexed Annuities
Variable Annuities
Immediate Annuities

Life Insurance

In its simplest form, life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary).

There are many types of life insurance. Term insurance only provides a death benefit for a limited period of time. By contrast permanent insurance can provide a death benefit and the potential to build policy cash value that you can access during your lifetime using policy loans and withdrawals. There are many types of permanent life insurance with many types of living benefit riders that enhance the benefits of owning life insurance. Please visit with with a licensed insurance professional to discuss the features and benefits that would apply to your specific situation.

Annuities

Fixed Interest Rate Annuities
Indexed Annuities
Variable Annuities
Immediate Annuities

An annuity allows a customer to deposit money (premiums) with an insurance company that can earn interest and grow on a tax-deferred basis with the agreement that the insurance company will then provide a series of payments back to the customer at regular intervals.

People typically purchase annuities to provide or supplement retirement income they will receive from Social Security, pension benefits, investments and other sources.

You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime.

There are generally two different types of annuities:

Immediate - Provides income payments that normally begin within a year after the premium is paid.

Deferred - Provide income payments that begin later, often after many years. Deferred annuities are designed for long-term savings purposes.

1. Guarantees are based on the claims-paying ability of the issuing company.

Variable contract holders are subject to investment risks, including the possible loss of principal invested.

Variable contracts are sold by prospectus. For more complete information, please request a prospectus from your registered representative. Please read it and consider carefully a Fund's objectives, risks, charges and expenses before you invest or send money. The prospectus contains this and other information about the investment company. Variable contract holders are subject to investment risks, including the possible loss of principal invested.