Get lifelong protection plus guaranteed cash value.

Control your financial future while mitigating risk.

Flexibility
Life insurance is often viewed as an insurance product designed for working years, it has many other uses. Permanent life insurance is a very secure and efficient way to protect income streams, create tax diversification with cash value, provide estate liquidity, transfer wealth, provide some long-term care financing benefits and generate additional retirement planning flexibility. Make sure you consider owning life insurance as a retirement planning asset.

Cash Value Growth … and Access
The cash value of a permanent life policy increases annually — without market risk. And if accessed properly, withdrawals are available on a tax-free basis. If you withdraw cash accumulations your repayment options may be more flexible than those offered through a 401(k) or home equity loan.

Lifetime Protection and Guaranteed Premium
Permanent life insurance plans offer the security of lifelong protection. Some insurance plans terminate at the end of a specific term. Permanent life insurance plans don’t expire. As long as premiums are paid, they can continue for life.

Plus, permanent life insurance offers something you won’t find in other life insurance plans – a rate that’s guaranteed for life. The rate you start with is the one you keep. It will never increase, no matter how long you are insured.

More Details
See how permanent life insurance can fit into your financial plan. Get more comprehensive information from two brochures:

Three Reasons to Consider the Original Permanent Life Insurance >
The facts you need to decide if this valuable protection makes sense for you, along with a detailed coverage example.

Is “Buy Term and Invest the Rest” a Strategy for you? >
See how life insurance can help you get a better rate of return.


What AAFP Members should know about Permanent Life Insurance

At a glance, look at the key benefits of a permanent life policy.

Guaranteed level premiums

Level death benefits to age 100

Cash value accumulations

Living benefits

Portable protection

Estate and retirement
planning options