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Life insurance is an affordable product that ensures there is money for your family in the event of your death. Life insurance financially protects your family when you are not there anymore to provide for them and their needs.  Your beneficiary, usually a spouse, partner, or child, will receive a ‘death benefit’ to cover monthly bills like, car payments, mortgage payments, groceries and more. You may also use it for burial coverage, as well as long-term expenses, such as children’s education. Money they receive from a life insurance policy is always tax-free. 

In essence, life insurance protects your family against you dying too soon. Annuities are savings/investment products that do just the opposite. They protect you against living too long and seeing your money run out. They also provide alternative investment strategies if you have already maxed out your contributions to an IRA or 401K plan.  Your Insurance Professors take care of both for you using a portfolio of hundreds of insurance or annuity products from many companies, such as Americo, Mutual of Omaha, Transamerica, Foresters, AIG, John Hancock, and Athene.

Is Life Insurance Necessary?

Simply ask yourself if your family would struggle to pay for daily living expenses, the mortgage, and your funeral. In that case, the answer is probably, ‘Yes.’

What most people don’t realize is that their siblings, parents, a spouse, or children may be held responsible for any debts they’ve left behind. You do not want that burden on your loved ones. Reasons to buy life insurance include: 

  • Having a spouse that depends on your income 
  • Having children to support 
  • Having a disabled relative or aging parent who relies on your support 
  • Your pension and retirement savings are not enough for a spouse to live on 
  • Owning a business, especially if it is a partnership
  • Setting up a legacy for your children or even your grandchildren 

Types of Life Insurance 

There are two broad categories of life insurance – Temporary or Permanent. Term life (temporary) and Whole life (permanent) are the most common types of life insurance. The first provides your family with protection for a specified amount of time, typically ten to 30 years or until reaching a certain age, such as 80.  

Your loved ones receive the death benefit if you die during the term. People frequently choose Term life insurance to cover their family when expenses and bills are expected to be the highest, like children going to school. At the end of the term, you can usually renew the policy, if you are still healthy, but it will often be much more expensive.

Whole life insurance has no expiration date, as long as the premiums are paid. From the onset, it covers you for the remainder of your life, and the premiums never go up. Your loved ones receive the death benefit when you pass away. People choose Whole life insurance because of the certainty their families are protected regardless of when they die and because of the stable price. In addition, Whole life policies accrue a cash value over time that you can borrow against in times of need. Near the end of your life, the cash value can also be used to pay the premiums. 


Annuities are financial vehicles designed for two purposes – to build cash value in a safe way and to provide income for the life of the person who owns it (the annuitant). 

Types of Annuities

There are three basic types of annuities – Fixed, Fixed Indexed, and Variable. Your Insurance Professors specialize in Fixed Indexed Annuities (FIA). The advantage to an FIA is that your account benefits from market increases but does not suffer from market decreases. We have annuity products that have zero downside risk. There are many ways to structure the annuity so that they respond to market upside moves based on your risk tolerance. 

The downside to any annuity is that once you put money in, you have minimal ability to take it back out for a set term, such as 7, 10, or 15 years. Many people begin to roll their other investments into annuities as they approach retirement to protect themselves from potentially losing much of their retirement due to an ill-timed market crash. 

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