Education Center

Education Center resources are designed to help people handle life’s biggest issues, especially those you can often see coming from a mile away. Furthermore, through our Education Center, we make sure you stay prepared to face life’s most significant events with confidence, regardless of your personal preferences and financial needs.

Education Center Guidance for Starting a Family

You may not have had enough time to build a strong safety net at this stage of life. Therefore, our Education Center guides you through several affordable options to help protect your growing family financially, particularly when income replacement is a primary concern.

Education Center Insights on Protecting Your Home

There is nothing quite like owning your own home. Moreover, your home represents one of the most important investments you will ever make and serves as a source of comfort and security for your family. Consequently, the Education Center explains how life insurance can help protect that investment by providing funds to pay off the mortgage in the event of an unexpected loss.

Education Center Strategies for Paying for College

A college education plays a critical role in a child’s future. Therefore, the Education Center emphasizes the importance of planning early as education costs continue to rise year after year. Fortunately, several solutions exist, including cash value life insurance*. The Education Center outlines how the cash value of a permanent life insurance policy can be accessed through policy loans to help pay for college expenses*. Additionally, life insurance cash values do not need to be disclosed on FAFSA forms. As a result, if something happens to you, the death benefit can also help cover a child’s college costs.

Planning for Retirement

Retirement means different things to different people, whether that involves traveling the world, spending more time with friends, or enjoying time with grandchildren. Consequently, the Education Center focuses on how your standard of living depends largely on how much you save in advance. We discuss your retirement goals and create a plan that not only helps you save but also helps you maximize your savings.

Support for Caring for Their Future

When all is said and done, nothing matters more than family. Therefore, the Education Center helps you create a clear plan of action that protects your assets while making a meaningful difference in the lives of those you love.

*The total outstanding loan balance, including accrued loan interest, reduces your policy’s available cash surrender value and life insurance benefit. Furthermore, interest accrues daily on the borrowed amount. If you do not pay loan interest when due, it is added to the outstanding loan principal and continues to accrue daily interest.

Additionally, if your policy lapses or you surrender it while an outstanding loan exists, the combined value of the loan and cash surrender value may exceed the total premiums paid, minus certain non-taxable distributions. Consequently, your insurance company will report any taxable gain to you, along with the IRS and applicable state tax authorities. Therefore, consult a tax advisor if you have questions.