Life Insurance

Life insurance is designed to provide financial protection in the event of death, but it offers many additional benefits. In addition to the primary function of providing a death benefit, life insurance policies can include cash value features that grow tax-free over time. This cash value can be accessed during your lifetime to provide a source of funds for emergencies or to supplement retirement savings. Riders, such as long-term care, living benefit, and dependent riders, can be added to your policy to offer even more comprehensive protection.

The long-term care rider allows you to use your life insurance to cover the costs of long-term care should you become unable to perform daily activities such as bathing or dressing. A living benefit rider allows you to access part of your death benefit in case of terminal illness, providing peace of mind in difficult times. The dependent rider provides coverage for your loved ones, ensuring that they are protected financially even if something were to happen to you. This flexible and comprehensive policy is an essential part of planning for a secure future.