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Life Insurance
Life insurance protection for you and your family
No financial plan is complete without an appropriate amount of life insurance coverage.
Extraco offers a complete range of life insurance products to protect you and your loved ones now and in the future. Our consultants can help you decide how much and what type of coverage you need.
Extraco life insurance products include:
Term life insurance: Often referred to as temporary insurance, term life protects survivors against hardship due to the death of the insured. Term life is an inexpensive way for younger investors to become fully insured. There are no investment attributes to term life.
Permanent life insurance: Provides insurance protection over an individual's entire lifetime. Available in two basic forms: universal and whole life. The cash value of permanent life insurance grows tax-deferred.
Single-premium variable life insurance: Investors provide the issuer with a lump sum of money in return for a benefit at death that is free from income tax and avoids probate delays.
Survivorship life insurance: A policy that covers two individuals, usually a married couple, by paying benefits to cover the costs of settling an estate following the second death.
Long-term care insurance: Provides a monthly cash benefit to the insured during his or her stay in a nursing home or for a variety of home health care services. There are no investment attributes to long-term care insurance.
Disability insurance: Designed to insure individuals against the loss of employment earnings due to a disabling injury or sickness. Generally replaces 60-75 percent of a person's income.
For more information, contact an Extraco Relationship Manager by e-mail, or call 866-EXTRACO toll-free.
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