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Life Insurance the Grows with You, Your Career, or Your Business

| September 19, 2022

As a result of the many events these past two years, you may have faced significant changes in your career or business. Perhaps
you started a new business, or you were one of the millions that changed jobs over the past year. [insert agency name] is here to
help you every step of the way with whatever the change may be or endeavor you set off on.

Regardless of what stage your career or business may, staying financially protected is important. Life insurance can help not only
protect you and your family, but products like whole life insurance can even help with your business.

Whole life insurance can be used as part of a business strategy. Beyond its core value of protection with a guaranteed death
benefit, another advantage is that it also allows for the accumulation of cash value that a policy owner can use to help fund or
offset any number of future financial obligations, expected and unexpected.

This flyer is a useful resource to determine how whole life insurance can help your career or business.

1Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to
your financial representative and refer to your individual whole life policy illustration for more information 2Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan
interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans
considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated
like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be
subject to a 10% federal tax penalty.
3 All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the
issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values.