Life & Income Protection
Life and income protection
Term Life
Pays a death benefit to your beneficiaries if you die during the policy term (typically 10, 20, or 30 years). The most affordable type of life insurance.
Learn moreWhole Life
Permanent life insurance that covers you for your entire life with level premiums, a guaranteed death benefit, and cash value that grows over time. More expensive than term but lasts forever and builds an asset.
Learn moreAnnuities
A contract with an insurance company that provides guaranteed income payments, either immediately or at a future date. Used for retirement income planning, tax-deferred growth, and protection against outliving your savings.
Learn moreDisability Insurance
Replaces a portion of your income (typically 50–70%) if you're unable to work due to illness or injury. Available as short-term (3–6 months) or long-term (years to age 65) coverage.
Learn moreFinal Expense
A smaller whole life policy (typically $5,000–$25,000) designed to cover funeral and burial costs, outstanding medical bills, and small debts. Simplified underwriting means no medical exam required for most applicants.
Learn more