Frequent Asked 
Questions

If you have loved ones who depend on you for support — financial or otherwise — buying life insurance is one of the best ways to help ensure they're provided for. It can also help build and pass on family wealth and assets.

It’s insurance that provides a death benefit if the policyholder passes away while the policy is in effect. It’s almost always paid out as an income tax-free lump sum and can be quite significant — enough to replace several years of lost income.

Living benefits in life insurance allow policyholders to access a portion of their death benefit while they are still alive, typically through riders or cash value, to help with medical expenses, long-term care, or other financial needs.These benefits can be added to both term and permanent life insurance policies, offering financial support during challenging times. Examples of Living Benefits: Chronic Illness Rider Critical Illness Rider Terminal Illness Rider Cash Value

Life insurance can do more than provide income replacement for your dependents — it can be used to help build tax-efficient family assets, help assure the continuity of your business if you pass away, or even pay for final expenses.

Term Life, Whole Life, Universal Life