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Life Insurance

Life insurance is understood best by dividing all types of life insurance into three categories: term life insurance, whole life insurance, and universal life insurance.

Term life insurance requires fixed payments on a fixed schedule and provides coverage for a fixed duration (e.g. 10 years). The policy only pays a death benefit if the insured individual dies before the policy expires.

Whole life insurance requires fixed payments on a fixed schedule. These policies guarantee coverage up to a certain age (usually 100 years of age). These policies guarantee a death benefit, so even if the insured individual outlives the policy, a death benefit will still be paid. These policies carry cash value, which means that they can be liquidated.

Universal life insurance allows payments of any amount at any time (up to certain government-stipulated maximums). Coverage from these policies can be maintained indefinitely. These policies carry cash value, which means that they can be liquidated.

Long Term Care

Long term care includes the care and services provided to a person who requires supportive help or supervision for a period expected to last 90 days or more. It includes the assistance needed with the Activities of Daily Living (often called ADLs) such as eating, bathing, dressing or moving from a bed to a chair, when faced with a chronic disease, disability or sudden illness. It also refers to the supervision that may be needed with a severe cognitive impairment, such as Alzheimer’s disease or other mental illness or brain disorders that can limit a person’s ability to think or reason.

Linked Benefits

A linked benefit product combines the protection of life insurance with the resources to help reimburse future expenses that long term care coverage offers. Rather than self-insuring the long term care risk, you can reposition a portion of your assets into a linked benefit policy. It can help you get more for your long term care dollar and be tax-smart about long term care through income tax-free benefits, or you can get your money back if you don’t need the policy. Additional benefits include:


What are annuities? Annuities are financial products that create a pension for your retirement. You make one or more payments now, and in return, you get an income stream in the future. The standard annuity pays a lifetime pension.

Life insurance companies sell annuities; however, the reason to buy an annuity is quite the opposite of the reason for life insurance: whereas life insurance protects your finances in case of dying too soon, annuities protect your finances in case of living too long. Annuities are used to turn present income into future income, a popular means of providing for retirement.


Disability insurance provides you income if you are no longer able to work due to accident or illness. It allows you to continue paying your bills, even if you are not able to work. Disability income insurance is one of the most important ways to protect your family and assets.