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LIFE/ANNUITIES | Bonds |
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Life and Annuities
Protection for the Future of Your Family
Level Term
Life Insurance — Provides low cost level death benefit for a
10, 20, or 30 year period. Coverage is guaranteed to age 90. Inexpensive term
insurance can be very valuable to a family or a business that shoulders the
responsibility of providing the financial means to meet future obligations,
including:
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Family Living
Expenses |
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Business Buy/Sell
Agreements |
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Children's
Education Needs |
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Key Person
Insurance |
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Mortgages
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Miscellaneous
Debt |
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Business Loans
Obligations |
Whole Life Death Benefit —
Provides coverage to age 110. It is ideal for most life insurance needs
including:
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Level protection
for a lifetime |
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Financial
protection from an unexpected death of a loved one |
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Savings program
for children's education or other needs |
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Providing money
for family living expenses in the event a wage earner dies |
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Providing money to pay off
debts after death |
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Providing funds to pay final
expenses instead of leaving it to other family members |
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A tax-free death benefit
to pay estate taxes and probate costs |
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Policy cash value can be
used as collateral for loans |
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Business use to fund a
buy/sell agreement or an employee benefit in the form of Key Person
Insurance. A policy's cash or loan, paid up insurance and extended term
protection values are adaptable to meet changing financial objectives.
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Annuities — A strong investment portfolio contains a
diversity of investment risk. A significant portion of every portfolio should
contain low-risk investments that will not be subject to stock market
fluctuations and always earn a reasonable rate of return. The closer one gets
to using or needing the funds, the safer the portfolio should be. Auto-Owners
Annuities are the perfect investment tool for your safe investments, offering
competitive interest rates and minimum guarantees. Income payments can be
designed by the policyowner to fit specific annuitant or beneficiary needs,
providing future planning flexibility today! Interest is credited to both
interest earnings and savings during high income years, deferring income tax
until retirement when taxable income is most likely lower. In the event of
death, all proceeds can pass directly to the named beneficiary, without
surrender charge, probate delay, estate settlement costs or publicity. No
maturity dates to worry about makes annuities an ideal retirement savings
alternative to Certificates of Deposit (CDs). |
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