Generally, the death benefits paid out from a life insurance policy are not subject to federal income taxes. However, other aspects like some components of the cash value could be taxable under certain circumstances. We recommend consulting with a tax advisor for detailed advice tailored to your situation.

The amount of coverage you need depends on several factors including your current income, the number of dependants, existing debts, and your long-term financial goals. Our agents can help you calculate an appropriate coverage amount to ensure your familys financial security.

Virtually anyone can be named as a beneficiary on your policy. This can include spouses, children, other family members, friends, or even charitable organizations. Its important to clearly designate and keep your beneficiaries updated to reflect any life changes.