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Signature Term Level Premium Life Insurance
Term is the simplest and most affordable life insurance to own since it offers the greatest amount of coverage at the lowest initial cost. You can buy term lengths from 10 up to 30 years and the death benefit amount is guaranteed, as long as premiums are paid. Your rate is fixed during the length of the term with a lump sum paid to your beneficiary upon death.
Signature Guaranteed Universal Life Insurance
Universal life (UL) is a permanent life insurance that offers flexibility in premiums. With UL you have the flexibility of paying a minimum premium to cover the cost of the insurance or paying extra funds toward a cash accumulation, which creates a fund that can later be used to pay the premiums. UL comes in many different forms, from a basic guaranteed to variable universal life policy that allows you the opportunity to direct the growth of your cash value.
Signature Indexed Universal Life Insurance
Indexed Universal Life (IUL) policyholders can allocate fixed or indexed strategies that may grow based on the growth of an external index such as the S&P 500. You can also determine the percentage of the funds to allocate to fixed and indexed strategies. These policies typically guarantee the principal amount in the indexed strategies, but cap the maximum return.
Legacy Guaranteed Issue Whole Life Insurance
As the name implies, these are life insurance policies that are guaranteed to be issued. That means regardless of your health, you cannot be declined or turned down. However, Guaranteed Issue Life insurance (GIL) generally offers low death benefit options with higher than normal premiums.