Frequently Asked Questions

When is the right time to buy life insurance? Am I too young or too old?

Life insurance can play an important role in your financial security at any stage of life. Starting sooner allows you to save more and gives you more budget-friendly options.

How do I determine what kind of insurance is best for my life?

It all depends on your needs. If you’re looking for immediate protection without committing to a permanent policy now, you may want to consider term life. If you need a versatile policy to protect your loved ones and give you cash value that you can access, think about whole life.

I have a limited budget. What are my life insurance options?

We have many options for both temporary and permanent life insurance policies—many people select a combination of both to fit within their budget. 

Do I need individual life insurance if I'm in a plan through my employer?

Many insurance plans provided by employers still leave a financial gap. Our financial professionals can work with you to determine exactly what you need.

What role can insurance play in retirement?

Not only can insurance protect you, you can also use its cash value to provide a supplemental income stream if your life insurance needs decrease in retirement.

What if my priorities change in retirement? What products can help?
Many life insurance policies offer cash value that you can access in retirement. Guaranteed income products, which are called income annuities, can help maintain your income, so you can use your other savings on things like travel and spending time with your family. 
Can life insurance and long term care insurance help protect my assets in retirement?

Yes, both help protect your assets. Life insurance can allow you to tap into your cash if you need it. Long term care insurance can help fund expenses related to costs for extended periods of care.