Insurance is an important part of a complete financial plan. The right coverage can help protect your family, your income and your financial security when life takes an unexpected turn. Understanding the different types of insurance available can help you choose protection that fits your needs today and evolves with you over time.

Protection for Every Stage of Life

Term Life • Permanent Life • Critical Illness • Disability • Long-Term Care.

Term Life Insurance

Provides coverage for a specific period of time and can be an affordable way to protect your family during the years when your financial obligations are greatest. It can help provide funds for income replacement, mortgages and other debts, education costs and ongoing family expenses.

Permanent Life Insurance

Provides lifelong coverage as long as the policy remains in force. Depending on the type of policy, it may also build cash value over time. Permanent insurance can be used for lifelong protection, estate planning, final expenses, tax obligations and leaving a legacy.

Critical Illness Insurance

Provides a tax-free lump-sum benefit if you're diagnosed with a covered critical illness and meet the policy requirements. The money can be used however you choose—helping with expenses, replacing lost income, accessing additional care or simply allowing you to focus on recovery.

Disability Insurance

Helps replace a portion of your income if an illness or injury prevents you from working. Protecting your ability to earn an income can be especially important when your household, lifestyle and long-term financial plan depend on that income.

Long-Term Care Insurance

Can help with the cost of care when a person is no longer able to independently perform certain activities of daily living or requires ongoing assistance, subject to the policy terms. It can help protect retirement assets while providing more choice in how and where care is received.

Not Sure What Coverage You Need?

Insurance needs are personal. Your family, income, debt, existing benefits, business interests and long-term goals all play a role in determining the type and amount of protection that may be appropriate.

Life Insurance → Term & Permanent
Living Benefits → Critical Illness, Disability & Long-Term Care