Products

Affordable, straightforward coverage for a set period—10, 20, or 30 years. Ideal for families who want protection during key life stages like raising children, protecting the bread winner, or paying off a mortgage.

Key Features:

• Lower premiums than permanent insurance
• Term coverage for a fixed period of time
• Simple and predictable
• Impairment riders available
• Child riders available
• Medical and non-medical options available

Permanent coverage that lasts a lifetime. Guaranteed premiums and a cash value component that grows over time slow and steady.

Key Features:

• Lifetime protection
• Guaranteed cash value
• Guaranteed rate of return
• Premiums do not change
• Impairment riders available
• Child riders available

Flexible coverage that allows you to adjust premiums and death benefits as your needs change. Includes a savings component that can earn interest.

Key Features:

• Adjustable premiums helps to avoid policy cancellation
• Cash value growth through sub accounts
• No downside risk on cash value
• Long-term flexibility
• Medical and nonmedical options available

Designed to cover end-of-life costs such as funeral expenses, so your loved ones aren’t burdened financially.

Key Features:

• Smaller coverage amounts
• Guaranteed acceptance options – no medical questions or medical exam needed
• Affordable premiums
• Ease of coverage for people with medical challenges

What Is an Annuity?

An annuity is a financial contract: You pay money (either a lump sum or series of payments) to an insurance company in exchange for a stream of future payments back to you.

It’s designed for retirement income: Annuities are primarily used to create a reliable paycheck in retirement that you can’t outlive—think of it as your personal pension.

• Fixed annuities in the Accumulation phase. You build up the value of the annuity with your contributions and performance of your sub accounts. The growth has no downside risk called a zero floor.
• Fixed annuities in the Payout (annuitization) phase. The insurer starts sending you regular payments from your income base. The income is for your entire life, even if the account runs out of money the insurance company still pays you. Most companies have medical riders that increase the payout to help with bills.

Disability insurance is a type of coverage that replaces a portion of your income if you become unable to work due to a qualifying illness, injury, or other medical condition (typically non-work-related). It acts as a financial safety net to help cover living expenses when you can’t earn a paycheck, paycheck protection.

• Short-Term Disability (STD): Covers temporary disabilities, usually lasting from a few weeks to up to 6-12 months. Benefits often replace 60-100% of your income and kick in after a short waiting period (e.g., 0-14 days). It’s commonly offered through employers or state programs (e.g., in California, New York, or Hawaii) and is useful for things like recovery from surgery, pregnancy, or short-term illnesses.
• Long-Term Disability (LTD): Provides coverage for extended periods, often several years, up to retirement age, or even for life in some policies. It typically replaces 50-70% of your income and starts after a longer elimination period (e.g., 90 days or more, often after short-term benefits end). This is better suited for severe or chronic conditions like cancer, mental health issues, or permanent injuries.

Many policies are employer-sponsored (group plans), but you can also buy individual policies for more customized coverage.How It Works

• You pay premiums (often through payroll deductions for employer plans).
• If disabled, you file a claim with medical proof.
• After an elimination period (waiting time, similar to a deductible), benefits begin as monthly payments.
• The policy defines “disability” (e.g., “own-occupation” means unable to do your specific job; “any-occupation” means unable to do any job you’re suited for).
• Benefits are usually tax-free if you pay premiums yourself.