Cash value life insurance is the only financial product with the flexibility to provide benefits:
If You Die... Should you die prematurely, the death benefit is available to help replace your earning power.
This means that funds are available to provide your family with an income, enable them to remain in their home, help pay for an education for your children...whatever the financial needs that arise at your death, funds will be available to help meet those needs.
If You Become Disabled... With the waiver of premium benefit, your plan can become self-completing in the event of your disability. This means that if you are sick or hurt and unable to work, policy benefits will remain available just as though you were paying the premiums.
If You Live to Retirement... Most of us can expect to live to retirement age, at which time cash value life insurance can serve as a source of retirement income, while still maintaining needed life insurance protection.* This means that the same life insurance that protected your family’s financial security during your working years can continue to play an important role in helping to provide retirement security.
* Withdrawals and loans will reduce the policy’s death benefit and cash value available for use.
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