Life Insurance
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an investment with your life insurance policy at no extra cost.

Demystifying Life Insurance

Discover the untapped potential of life insurance as a versatile financial tool. Learn how it can be utilized like a 401k, fund your children's college education, provide tax benefits and even serve as a source of cash for life-changing events. Say goodbye to myths and misconceptions as our experts debunk common misconceptions surrounding life insurance.

There are many different types of life insurance policies.

  • is a type of permanent life insurance that provides coverage for the insured's entire lifetime, as long as premiums are paid. Whole life insurance includes a savings component known as cash value. A portion of the premiums paid accumulates as cash value, which grows over time on a tax-deferred basis.

  • is a type of permanent life insurance that combines the death benefit of traditional life insurance with the potential for cash value growth tied to a stock market index.

  • An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. Similarly, your payout may come either as one lump-sum payment or as a series of payments over time.

  • A Roth IRA is an Individual Retirement Account to which you contribute after-tax dollars. While there are no current-year tax benefits, your contributions and earnings can grow tax-free, and you can withdraw them tax-free and penalty free after age 59½ and once the account has been open for five years.