Pictures tell the story of a family.
They capture a single moment in time and provide memories that
last a lifetime. Pictures warm our hearts and remind us of what’s
important in life. And when pictures are shared, they help create a legacy for the future.
Why Single Premium Life
Life insurance is a valuable financial planning instrument that can help maximize the value of your estate. With single premium life insurance, you pay one premium that can provide guaranteed peace-of-mind for a lifetime. The single premium design has a multiplier effect on your premium and on your estate
Is single premium life insurance right for you?
It could be. If you answer ‘yes’ to these questions, the Multi Choice Single Premium Life insurance plan may be appropriate.
Do you have money saved in the bank, or in annuities or mutual funds, that you would like to pass on to your heirs on a more tax-efficient basis?
Are you interested in multiplying the amount that is eventually passed on to your heirs?
Do you have savings that you don’t currently need for regular living expenses or to maintain your quality of life, but that you might need for emergencies?
Do you have money that you would like to pass on to your favorite charity?
Would you like to lower the amount of income that is included when
calculating the taxable percentage of your Social Security benefits?
Life insurance provides a unique way to increase the amount you leave to your loved ones. The more traditional alternatives for this kind of money include Certificates of Deposit (CDs), Money Market accounts and annuities.
What other advantages does life insurance provide?
Guaranteed Minimum Death Benefit
Premium Guarantee
Access To Cash Via Withdrawals and/or Loans**
Tax-deferred Interest Earnings
A Benefit For Nursing Home Expenses
Terminal Illness Benefit
10% Enhanced Beneficiary Settlement Option
Riders:
Nursing Home Waiver
Accelerated Death Benefit Rider
Life Protector Rider