Life insurance provides a tax-free lump-sum benefit that can:

·        Cover final expenses (funeral, medical, legal)

·        Replace lost income and maintain lifestyle

·        Pay for childcare, education, and ongoing household costs

Additional Advantages:

·        Cash Value Accumulation: Permanent policies grow a cash Reserve you can access for retirement or emergencies.

·        Accelerated Benefits: Payouts available early for chronic or Terminal illness.

·        Policy Sale Options: Through life or viatical settlements, convert your policy into cash if circumstances change.