Trusted for over 200 years The Hartford offers our clients the financial strength and products to support your long term financial goals!

• Term Life Insurance
• Universal Life Insurance
• Variable Life Insurance
• Whole Life Insurance
• Annuities

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Email: info@indianainsurancegroup.com

The Facts of Life

The death benefit provided by life insurance is key to any financial plan.  The correct amount of life insurance can help protect your family, without the correct coverage loss of lifestyle or standard of living can be a struggle.  Life insurance is not for yourself, but for the loved ones you leave behind.

Because different people have various responsibilites, so to should your life insurance vary.  Below is a brief description of the types of life insurance products available. 

• Term Life insurance provides coverage for a specific period of time or "term."  It is a good fit for people who would like a high dollar amount of coverage for the lowest cost.  Because term insurance is also convertible, it is ideal for those that need immediate protection.
• Universal Life Insurance is a flexible-premium, adjustable benefit life insurance policy that accumulates account value. The flexibility of this policy allows you to change the amount of insurance as your needs for insurance change. Some changes require underwriting approval.
• Whole Life or Permanent insurance commonly referred to as whole life, provides protection for your entire life.  Policy premiums generally do not increase with the age of the insured once the policy is purchased, but this can vary from company to company.
• Variable Life insurance combines the protection of traditional life insurance with the potential to earn market returns on your policy's cash value.  With a wide array of investment options, the decision on where to direct your cash funds is up to you.

Beyond the death benefit

*While life insurance is primarily purchased for the death benefit, permanent life insurance offers additional benefits that you can experience while you are living; those benefits are referred to as living benefits.  Living benefits can be in the form of policy cash value, optional riders and policy features and can provide resources for helping with:

• Supplementing retirement income
• Preparing for chronic illness
• Disability income
• Business Planning
• College tuition
• Charitable planning

Learn more about the living benefits of life insurance through the Change your prespective on Life Insurance Brochure

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