Life Insurance Resources

Get the Basics

Life insurance planning strategies for each stage of life

Just Starting Out On Your Way Nearing Retirement At Retirement


 Common Questions

More Common Questions>


Estimate Your Need

Use these tools and calculators to help keep you on track with your life insurance planning goals


  • Generally the younger you purchase life insurance, the lower your premiums and long-term cost may be. Don’t delay.

  • Human Life Value
    Use this calculator to determine your economic value to your loved ones.


Research Life Insurance Products


Temporary Insurance

Key Features

Term Life Insurance

Pure protection for a limited time

  • Does not build cash value
  • Premiums remain level or increase
  • Can be less expensive than permanent insurance

Permanent Insurance

Key Features

Universal Life Insurance

More options, with fewer guarantees than Whole Life

  • Provides protection in case of death, as well as a cash value component
  • Flexible premiums

Indexed Universal Life Insurance


Growth potential with a downside floor offering more safety

  • Insurance protection with investment opportunity through equity index-linked interest options up to a cap
  • Invest in indexed options or a Guaranteed Interest Option
  • Flexible premiums

Variable Universal Life Insurance

Growth potential with greater risk than Universal Life

  • Insurance protection with investment opportunity
  • Wide range of investment options
  • Flexible premiums

Whole Life Insurance

Regular premium payments with guarantees

  • Guarantees a minimum death benefit no matter how long you live, as long as premiums are paid
  • Guaranteed level premium, and guaranteed minimum cash value


Talk to Your  EPG Financial Professional About Life Insurance

Professional Guidance Counts

Your Elite Producer Group financial professional can be an invaluable in helping you:

  • Complete a financial needs analysis
  • Evaluate the financial strategies available to you, and
  • Select appropriate financial products designed to help you reach your goals

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