Safeguarding your Family

How do you Safeguard your Family's Future?

The Day you say I do,

The Day you hold your child in your arms,

The Day you start your own business,

The Day you get involved with that charity that you feel passionate for the cause,

Your world changes!

It is in leaving that legacy for the people or causes we care about every day that we can sleep at night.  We are all trying to make a positive difference in our family and community. Safeguarding your families dreams is the key foundation that most peoples planning revolves around. Life insurance allows you to pursue your dreams for your family when you can't be there to help.

All life insurance falls into one of two categories of coverage.

Each category has certain characteristics that make it more suitable for certain needs:

1. Term Life Insurance

•  It provides temporary protection for the term of the policy.
•  If the insured dies within the term period, the insurance company pays the death benefit.
•  If the insured survives the term period, the coverage terminates.

2. Cash Value Life Insurance

• It provides lifetime protection, so long as the policy is kept in force.
• The insurance company pays the death benefit regardless of when death occurs, so long as the policy is kept in force.
• The policy accumulates cash values that can be used during the insured's lifetime (withdrawals and loans will reduce the policy's death benefit and cash value available for use).

Policy values will fluctuate and may be subject to market risk and to possible loss of principal.  Guarantees are based on the claims-paying ability of the issuer.