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Learning Center

Life insurance can be stressful! But we have resources available to help you navigate and find the best coverage for you here in our Learning Center.

Know the Basics

Use our simple introductions to help you understand the coverage options available to you.
Secure the future for your loved ones with Life Insurance
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Is Life Insurance Worth It?
Whether you have kids, a spouse, or even if you're young and single, life insurance plays a crucial role in safeguarding your family's future.
  • Final Expense
  • Life Insurance
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The Ins and Outs of Giving Your Life Insurance Money to Charity
Your life insurance policy can impact far more than your loved ones after your death. Donating all or part of your life insurance payout can be complicated, but we’ll discuss you the pros and cons, and how to get started with this impactful choice.
  • Financial Planning
  • Final Expense
  • Life Insurance
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Life Insurance Planning Worksheet
Life Insurance Planning Worksheet
  • Final Expense Types
  • Final Expense Types
  • Financial Planning
  • Life Insurance
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What is Indexed Universal Life insurance?
Life insurance serves to help people manage their financial risks. One type of life insurance is called Indexed Universal Life insurance. This article outlines what makes IUL different and who it might be for.
  • Indexed Universal Life
  • Coverage
  • Life Insurance
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Life Insurance Riders: The Guide
All you need to know about life insurance riders
  • Life Insurance
  • Final Expense
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6 Benefits of Life Insurance
Life insurance is like a safety net for your family or beneficiaries when you're no longer around. Here are 6 benefits of life insurance.
  • Funeral Expenses
  • Children
  • Death Benefits
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Life Insurance Frequently Asked Questions and Misconceptions
Life Insurance Frequently Asked Questions. Get to know the facts around common life insurance misconceptions.
  • Final Expense Types
  • Final Expense
  • Life Insurance
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The Different Types of Life Insurance
Life insurance serves as a valuable financial safety net. Learn about the differences between term, whole life, permanent, and final expense insurance.
  • Final Expense
  • Final Expense Types
  • Life Insurance
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Life Insurance: Your Ultimate To-Do List
From estate planning to life insurance, here are some important tasks to address before your passing to ensure that your family is well-prepared.
  • Financial Planning
  • Final Expense
  • To-Do List
  • Costs of Dying
  • Life Insurance
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Learn What Coverage Combo Is Right For You!

Fully Underwritten Indexed Universal Life insurance – An Overview
Fully Underwritten Indexed Universal Life insurance is a type of Universal Life insurance that can offer benefits such as cash value and adjustable premiums. This article outlines what makes Fully Underwritten IUL unique and who it might be for.
  • Indexed Universal Life
  • Life Insurance
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Understanding Simplified Indexed Universal Life insurance
Simplified Indexed Universal Life insurance is one type of Universal Life insurance that can offer benefits such as cash value and adjustable premiums. This article outlines what makes SIUL unique and who it might be for.
  • Indexed Universal Life
  • Life Insurance
  • Indexed Universal Life
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Is Life Insurance Taxable?
Learn about the taxation of life insurance benefits, how taxes work after death, and why your family won't owe taxes on your life insurance payout.
  • Final Expense Types
  • Final Expense
  • Financial
  • Financial Planning
  • Life Insurance
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How Does Life Insurance Work When You Die?
Life insurance payouts after death is a topic that most would rather avoid, but it's important to understand how your loved ones will be taken care of.
  • Costs of Dying
  • Life Insurance
  • Final Expense
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Final Expense Guide
Learn about Final Expense coverage and how it can increase peace of mind.
  • Final Expense
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Benefits of Final Expense Insurance
Learn about how Final Expense insurance can provide a practical solution to ease the financial strain after the loss of life.
  • Final Expense
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How Much Life Insurance Do You Need?
Taking care of your family feels great, but knowing that you have “enough” coverage can seem complicated. Use these sets of questions to get thinking about your coverage needs.
  • Life Insurance
  • Final Expense
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Why Have a Final Expense Policy?
  • Final Expense
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Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

This is a solicitation of Indexed Universal Life Insurance (IUL) policy. A licensed agent/producer may contact you. Coverage, products, and features may not be available in all states and will vary by policy. An IUL policy isn't directly invested in the stock market, but earns interest based upon the performance of an index, with an interest crediting floor, typically 0%. The cash value can decline even with a floor due to premiums and other costs. An IUL policy contains specific limitations, exclusions, termination provisions, and requirements for keeping it in force. Please see review your contact for full details. All guarantees are subject to the financial strength and claims-paying ability of the issuing life insurance company.

Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Any loans from a policy's cash value are subject to interest and the balance is deducted from your death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much money is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. The term “Simplified” indicates the use of a simple form of underwriting which can minimize the amount of time to secure life insurance coverage.

The death benefit generally will not be paid if the insured’s death results from suicide, while sane or insane, within the contestability period. Instead, the benefit will pay the sum of the premiums paid since issue, less any loan and loan interest due and any withdrawals. Exclusions and limitations may vary by state and will vary by policy.

This is a solicitation of insurance. A licensed agent/producer may contact you. Coverage, products, and features may not be available in all states, may vary by state, and will vary by policy. Rates may be higher due to tobacco use. Your rate and availability for this product will be subject to underwriting. Policies contain specific limitations, exclusions, termination provisions, and requirements for keeping them in force. Please see your policy or contact the insurance company for full details. Approval is based on your answers to the questions on the application and information obtained from other sources. All guarantees are based on the claims paying ability of the life insurance company.

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