The right life insurance coverage can help your loved ones live out their dreams, no matter what the future holds.

The basic advantage all life insurance policies provide is a death benefit that replaces income in the instance of your death. This is important, as many households cannot financially sustain the death of an income earner. Whether you are the sole income earner or live in a dual-income household, your unexpected loss can cripple your surviving family – who are now fully responsible for covering things like mortgage payments, debts, college education, and so forth. If you support others, finding an appropriate life insurance policy is essential.

The modern life insurance landscape has evolved to include various features that go beyond a death benefit, including living benefits such as:

• cash value accumulation
• loans or withdrawals
• long-term care provisions
• accelerated death benefits

With these additional features, a life insurance policy may not only be a good layer of protection and wealth transfer vehicle for beneficiaries but also a valuable resource for you during your lifetime.