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What is life insurance?
Essentially, life insurance, or a life insurance policy is an agreement between an insurance company and you (the policy owner). When you make payments (premiums) to the insurance company, the insurance company agrees to pay a lump-sum of money (death benefit) to the person (beneficiary) you tell the insurance company to when the person whose life is being insured dies.
There are different types of life insurance. Term insurance provides a death benefit for a limited period of time. Permanent insurance can provide a death benefit with the potential to build cash value accessible during your lifetime through policy loans and withdrawals. Permanent insurance offers the flexibility to increase or decrease death benefits as your needs change, including the potential to reduce or skip premium payments.
These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.
Ideal for the consumer who is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits.
Ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.
May make sense for those who have budget limitations, large protection needs or temporary need.
Variable Life Insurance
This policy design is for the customer who needs life insurance but would like to have the ability to choose how their cash value is invested.
Variable policies are underwritten by National Life and distributed by Equity Services, Inc., Registered Broker/Dealer Affiliate of National Life Insurance Company, One National Life Drive, Montpelier, Vermont 05604.
Increasing the death benefit may be subject to additional underwriting approval.
Variable contracts are sold by prospectus. For more complete information, please request a prospectus from your registered representative or call 1-800-732-8939. Please read it and consider carefully a Fund’s objectives, risks, charges and expenses before you invest or send money. The prospectus contains this and other information about the investment company.
Guarantees are dependent upon the claims-paying ability of the insurer and do not protect the value of the variable product portfolios, which may fluctuate. Variable policy holders are subject to investment risks, including the possible loss of principal invested.
Make a Financial Fitness Plan
A plan can make financial security a reality. Just the way youyou need a routine to stay healthy, in thesame way, you can develop a financial fitness plan.