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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
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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.


Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker dealer (Member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Northern Credit Union and Northern Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Northern Financial Services, and may also be employees of Northern Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Northern Credit Union or Northern Financial Services. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency * Not Credit Union Guaranteed * Not Credit Union Deposits or Obligations * May Lose Value.
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