Life Insurance helps protect your family from unexpected financial hardships. Whether you are looking to ensure the mortgage payments are made or you want to provide your children with a college education, we have a solution. With some options which are suitable to your needs, life insurance can provide guaranteed savings that can build cash value. Let A&A find the plan that is right for you and your family.

• Decreasing Term - Level premiums and decreasing death benefit. No cash accumulation. Frequently used for short-term decreasing financial liabilities, like a mortgage.
  
• Annual Renewable Term - Increasing premiums with level death benefit. No cash accumulation. The strength of term is its low cost for large death benefits, particularly beneficial to younger families with limited resources and the need for maximum protection.
  
• Level Term - Premiums stay level for stated term. Usually 5, 10, 15, or 20 years. Level death benefit. No cash value. Frequently used to cover short or intermediate-term obligations.
  
• Whole Life - Premiums and death benefit are level. Cash accumulation. Provides for long-term needs, such as survivor income for a spouse or minor children. Other uses could include paying off debt and paying estate taxes.
  
• Universal Life - Premiums and death benefits are flexible. The monthly cost of insurance and administrative charges are deducted, the balance of the premium goes to cash values. The benefits and uses are very similar to Whole Life. Cash values can increase based on current interest rates.
  
• Single Premium Life - A single premium paid up front. Level minimum death benefit. Cash accumulation. Provides long-term security. Different tax rules generally apply.
  
• First to Die - May have flexible premiums and death benefits. Provides death benefits at the death of the first of two or more parties covered by the policy. Most often used in business insurance situations.
  
• Survivorship Life - May have flexible premium with level minimum death benefit. Most often used to pay death taxes and expenses due at second death.
  
  To learn more about our life insurance programs, or for a free second opinion on your current life insurance Contact Us.

^{Disclosure: Guarantees are based on the claims paying ability of the issuing company. Neither First Heartland Capital, Inc. nor its registered representatives provide tax or legal advice. As with all matters of tax or legal nature, you should consult with your tax or legal counsel for advice.}