TYPES OF LIFE INSURANCE

Living Benefits Insurance 

 

  •  You’re diagnosed with a qualifying illness

  • You file a claim with your insurance company

  • You receive a portion of your policy’s death benefit — early

Term Life Insurance 

It provides financial protection for a specific period of time — usually 10, 20, or 30 years. If you pass away during that term, your family receives a tax‑free payout (the death benefit) that can cover things like the mortgage, income replacement, childcare, or everyday bills.

 

FFIUL (Flexible Fund Indexed Universal Life) & Whole Life Insurance 

FFIUL

  • Flexible premiums
  • Cash value grows
  • Can include Living Benefits
  • Can adjust the death benefit

Whole Life Insurance

  • Guaranteed death benefit
  • Guaranteed cash‑value growth
  • Fixed premiums that never change
  • Very stable, predictable, low‑risk

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