Life Solutions That Move Clients Forward

Finding Value From Clients’ Existing Life Policies

Life settlements give eligible clients another option when a life insurance policy is no longer needed, wanted, or affordable.

• Potential proceeds can be 4–9× the policy’s cash surrender value

• Provides an alternative to surrendering or lapsing an existing policy

• Can provide additional financial flexibility for retirement, long-term care, or other needs

• Helps agents identify value in policies that may otherwise be surrendered or allowed to lapse

• Adds a differentiated solution to life insurance and financial planning conversations

• Creates an additional revenue opportunity for participating agents and advisors

145+ Years of Experience and Protection

A broad range of life insurance, annuity, and LTC solutions designed to help clients prepare for the future and protect what matters most.

• Whole Life: Lifelong protection and cash value growth

• Term Life: Temporary protection with multiple term options

• Variable Universal Life: Flexible protection and investment options

• Long-Term Care: Asset-based protection for qualifying care needs

• Annuities: Solutions for income and retirement planning

• Flexible solutions: Options for personal, family, and business needs

• Agent support: Resources to help financial professionals serve clients

• Established strength: More than 145 years of experience

Fortune 100 Strength, Agent-Focused

Life insurance solutions backed by an established financial services organization, with resources built to support agents and their clients.

• Term and permanent life insurance solutions

• Coverage options designed for a range of client protection needs

• Products that can complement broader financial planning strategies

• Retention resources to help agents support existing policyholders

• Industry insights and educational resources for agents

• Technology and digital tools designed to improve efficiency

• Resources designed to support agent productivity and business growth

• Broad product capabilities give agents additional solutions to present

Recognized by Forbes

A diverse portfolio of insurance and financial products designed to address protection, legacy, and retirement planning needs.

• Final Expense products for focused protection needs

• Term Life insurance for temporary coverage

• Whole Life insurance for permanent protection

• Annuity products for retirement and income planning

• Solutions designed for different client circumstances and financial priorities

• Policy exploration tools to help agents evaluate coverage options

• Established product expertise and industry experience

• Broad portfolio gives agents additional solutions for existing and prospective clients