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Life Insurance:
You never know what tomorrow may bring, it’s best to be preparedPeace 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
Your Northern Financial Services advisor will help you find life insurance for how you live.
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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.
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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.
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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.