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Life Insurance:

You never know what tomorrow may bring, it’s best to be prepared

Peace of mind for you—and for those you love.

  • Protect your family’s financial future
  • Affordable rates that fit your budget today
  • Life insurance coverage from some of the nation’s top carriers
  • Easy to apply—even if you’re already covered
Northern Financial Services

Your Northern Financial Services advisor will help you find life insurance for how you live.

  • Universal Life Insurance

    With a universal life insurance policy, you’ll get coverage that lasts throughout your lifetime together with the flexibility to tailor your coverage—and your premiums—to fit your changing life.

    • Maintain your policy while increasing, decreasing or skipping premium payments based on your needs.
    • Average cost usually lower than whole life at similar coverage amounts.
    • Low cost with flexible premiums.
    • Income tax-free death benefit.
    • Withdrawal or tax-free loans available.

     

  • Whole Life Insurance

    A whole life insurance policy gives you protection for life—and a premium that will never increase—plus the tax deferred buildup of cash value that you can borrow against.

    • Lifetime protection.
    • Withdrawals or tax-free loans available.
    • Option to stop paying the premium and use the value to purchase other forms of coverage.
    • Income tax-free death benefit to family.

     

  • Term Life Insurance

    Term life insurance provides coverage for a specific period of time—10- , 20- or 30 years—at a set cost that’s guaranteed not to increase for the term.

    • Simple, straightforward insurance—it pays a benefit only if the insured dies during that term.
    • May offer the ability to convert to a permanent policy.
    • Fixed premiums for specified number of years and increased upon renewal.
    • Highest death benefit at the lowest cost.
    • No cancellation charges or fees.
    • Makes sense when there is a need for coverage that will disappear at a specific point in time.

     

LPL Financial and its insurance agencies offer securities, advisory services and certain insurance products. The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The information provided by these resources are intended for educational purposes only and are not intended to be used in lieu of consulting with a financial advisor, attorney or tax professional. Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Products and services offered through LPL *Are not NCUA insured *are not guaranteed by any Credit Union * may lose value. This website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, or tax advice. You may wish to consult an attorney, tax advisor, or accountant regarding your specific situation. No representations are made as to the accuracy of the information contained herein or any information contained in any link provided herein. Important Consumer Information: This site is for informational purposes only and is not intended to be a solicitation or offering of any security and; 1. Representatives of a broker-dealer ("BD") or investment advisor ("IA") may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, the state; or (b) are excluded or exempted from the state's licensure requirements. 2. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve (a) affecting, or attempting to affect, transactions in securities; or (b) rendering personalized investment advice for compensation.
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