Life Insurance

When your family and loved ones are a top priority in your life, protecting them with life insurance can be a wise way to ensure they're taken care of in the future.

Understanding the benefits of life insurance can help you feel more confident in having it as part of your overall financial strategy.

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Why life insurance?

Leave a legacy

Life insurance can be a meaningful way to help preserve your legacy or leave a planned gift to charity.

Help them carry on

The loss of a wage earner or homemaker can strain your finances. Life insurance can help fill the gap.

Help keep your promises

Life insurance may help you keep your family in the home you all love or cover college expenses if you die prematurely.

Term Life Insurance

If your finances get tight, but your insurance needs are as real as ever, term life insurance may offer a simple solution. It's typically the most affordable way to get coverage for a set period of time. With term, you can lock in rates for 10, 15, 20 or 30 years.

  • Lower premium; death benefit only.
  • Premiums stay the same for the term you pick.
  • Options to convert to permanent insurance.

See additional benefits of term life insurance

Permanent Life Insurance

Permanent life insurance consists of insurance and cash value. Potential cash value growth can help cover long-term financial needs while you're still alive. After you die, the death benefit can help care for your loved ones and support causes you care about.

  • Lifetime
  • Source of funds for retirement, education, etc.
  • Access to cash valueMore Information.

Learn more about permanent insurance options

How to Choose Between Term & Permanent

Feature Term Permanent
What it provides Protection for a specific amount of time. Protection for as long as the insured lives.
Why buy it A generally affordable way to get insurance to protect short-term needs, up to 30 years. Protect long-term financial needs – for the lifetime of the insured. Can help round out overall financial portfolio.
Death benefit/proceeds Yes Yes
Cash value accumulation No Yes1
Premiums Premiums are generally affordable, and remain level throughout the term. However they increase at each renewal point (i.e., the end of the term). Premiums are typically higher than term insurance. Some permanent products have premiums that remain level, while others have flexible premiums.
Flexibility May be able to convert to a permanent contract. Variations exist to meet your long-term financial needs and budget, including flexibility with premium payment amount and frequency.

Member's Voice

"Once someone is ill, it's too late to get life insurance."*

CloseCash Value

Cash value is the investment component of permanent life insurance that builds over time, allowing you to borrow against it.