Permanent Life Insurance

A well-conceived life insurance program can be an ideal solution to your most important financial concerns. It can offer the following important features:

• A tax-free death benefit, paid immediately to your beneficiary without passing through probate.

• A source of supplemental retirement income

• Tax-deferred accumulation of cash values

• Accelerated death benefit. This benefit provides a way to receive a portion of your death benefit prior to your death, if you become terminally ill. (Not available in all states).

The foregoing is neither a contract nor an offer to contract, but is a general description of benefits available under a policy providing the benefits outlined. The exact provisions, terms and conditions of the contract are set forth in detail in any such policy as may be issued.

Financial Objectives

Most people want to accomplish one or more of these financial objectives:

• Providing for the ongoing living expenses of family members in the event of a breadwinner's death

• Making sure a child's dream of a college education will come true

• Making sure your home is paid for and that you and your family get to live there for as long as you want

• Money at retirement to do the things you've always wanted to do

Goals

We believe an ideal financial strategy should:

• Be self completing

• Allow you to make flexible payments over the years

• Grow steadily and dependably at a competitive rate of interest, comparable to or better than certificates of deposit

• Grow tax-deferred

• Minimize the amount of taxes you pay and maximize the dollars that stay in your pocket and the pockets of your family members.