Protect Your Family with

Life Insurance

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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.

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WholeLife Insurance

These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.

  • Guaranteed death benefit
  • Guaranteed cash value
  • Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.
  • Level premiums that are guaranteed to never change.
UniversalLife Insurance

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.

  • Flexible death benefit
  • Flexible premium
  • Policy cash values are credited a current interest rate that is set by the insurance company, which is subject to change, but will never be lower than a guaranteed minimum interest rate.
Index UniversalLife Insurance

Ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

  • Flexible death benefit
  • Flexible premium
  • Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.
  • Downside protection, minimum guarantee to ensure cash value will not decline due to  decreases in the Index.
Term Insurance

May make sense for those who have budget limitations, large protection needs or temporary need.

  • Guaranteed death benefit for a fixed period
  • Fixed premium.
  • No cash value.
  • Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.
  • Initial premiums tend to be lower but will eventually increase.

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.

  • Flexible death benefit
  • Flexible premium
  • Cash value grows based on the performance of the professionally managed stock, bond and money market sub-accounts that you choose. You can design a portfolio to match your comfort level and risk tolerance. Policy cash values fluctuate based on the sub accounts in which you are invested and may lose value, including principal.

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.

How Freedom can help you develop a sound financial fitness plan:

  • Our Providers:
  • Ranked among the top life insurance companies in the United States.
  • Have the longest standing issuer of indexed annuities.
  • Are top providers of indexed annuities in employer plans.
  • They offer retirement solutions with guarantees that provide incomefor a lifetime.

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