You probably know that life insurance provides a valuable death benefit for your family or business if you were to die. But are you familiar with life insurance you don’t have to die to use? Far from the traditional insurance you have to die to use. It covers you if you die too soon, live too long or become ill. And the living benefits* can provide financial resources in the event of a chronic critical or terminal illness. (in applicable states) if you live too long. Worried about outliving your money? If sufficiently funded, a permanent life insurance policy can potentially accumulate cash value that can be accessed using policy loans and withdrawals to supplement your retirement income**. If you're looking for protection in case you die too soon, become ill, or live too long, we will work with you. It's our goal to provide you peace of mind.

"Living benefits are provided by no-additional premium accelerated benefit riders. Payment Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you. Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy.

**The use of cash value life insurance to provide a resource for retirement assumes that there is first a need for the death benefit protection. The ability of a life insurance contract to accumulate sufficient cash value to help meet accumulation goals will be dependent upon the amount of extra premium paid into the policy, and the performance of the policy, and is not guaranteed. Policy loans and withdrawals reduce the policy's cash value and death benefit and may result in a taxable event. Surrender charges may reduce the policy's cash value in early years.

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