QoL Index Plus II

Life Lessons: Term vs. Permanent Life Insurance

Planning for the unforeseeable death of yourself or a family member is a tough conversation to navigate. The multitude of life insurance options can be overwhelming, but protection is essential. Term life insurance is typically the simplest form with coverage for a set period of time, a fixed death benefit amount, and no cash value at the end of the policy’s term. Permanent life insurance commonly provides a death benefit, as well as a buildup of cash value. Learn more about our newest permanent universal life insurance product, QoL Index Plus II, that offers stable protection plus the opportunity to grow cash value through indexing strategies while offering minimum interest rates and the ability to borrow from the policy while you’re living.
Prioritizing Protection

Prioritizing Protection

Resolution season is knocking (OK, pounding) at the door. If increasing protection for your family is on your to-do list this year, life insurance is a powerful way to achieve it. To help keep this resolution, prepare for the application process by answering these questions and giving yourself a deadline. Also ask your agent about our new, affordable index universal life insurance product, Value+ IUL, and explore the advantages of a guaranteed death benefit, potential cash accumulation and access to funds while living.
  • Desired type of insurance, coverage amount and beneficiaries?
  • Annual income and net worth?
  • Medical history (conditions, surgeries, prescriptions)?



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