Life Insurance

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Financial Peace of Mind for the Future

You have people who depend on you. So, it’s important to have a plan to ensure their financial security, for right now and in the future. And while it isn’t anyone’s favorite topic, a life insurance policy is a great step toward reaching this goal. Life insurance is one way to face the unknown with the assurance that the people you love will continue to have the financial resources they need. Our Insurance Agents can help you determine how much coverage is enough and walk you through the steps to put it in place.

Understanding Life Insurance Options

Life insurance is often a confusing topic, and the number of options available can feel overwhelming. You might hear lots of words thrown around like “term life”, “permanent,” “whole life,” and others. Most life insurance options fall into the two categories below:

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Term Life

One of the more popular and cost-effective forms of life insurance. Term Life provides coverage over a specified amount of time - typically 10, 20 or 30 years. Common uses for these policies include replacing a source of income or covering a loan, such as the mortgage on your home, in the event of a death during the covered period of time.

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Permanent Life Insurance

Also referred to as "Whole Life” or “Universal Life," this coverage provides lifelong protection. As long as you pay your premiums, this coverage will never go away and, at your death, will be paid out to your chosen beneficiaries on a tax-free basis. Some permanent policies also have the ability to build cash value, typically tax deferred, which you can access if needed while you are alive. Permanent Life Insurance premiums are typically much more expensive than Term Life premiums.

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Insurance products may be sold through CommunityAmerica Insurance Agency, LLC, a wholly owned subsidiary of CommunityAmerica CUSO One, LLC and a licensed insurance agency in Missouri and Kansas. Insurance products:

Are Not Federally Insured

Involve Investment Risk

May Lose Value

Are Not Obligations or Guaranteed by the Credit Union