Insurance
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Individual Term Insurance
Universal Life Insurance
Variable Life Insurance
Survivorship Life Insurance
Individual Disability Income Insurance
Long Term Care

INDIVIDUAL TERM INSURANCE
This is pure life insurance protection. Individual Term Insurance premiums are payable for a specified term of years. If death of the insured occurs during that period of time, the death benefit is paid. The premiums may increase each year, or remain level for a certain time period (for example, 5 to 30 years). Individual Term Insurance policies are usually convertible into more permanent forms of life insurance, and are best suited for individuals who need life insurance protection for a specified period of time (such as a term of years associated with mortgage payments).

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UNIVERSAL LIFE INSURANCE
A more permanent form of life insurance protection, Universal Life Insurance is usually designed to last until the insured is age 100, or longer. It's designed to have cash values, which are available to the policy owner during the insured's lifetime through policy loans or partial withdrawals. These help to keep premiums level for the duration of the policy. As the policy values increase, the policy owner may have the ability to reduce, or even suspend, premium payments and still retain the protection from the policy death benefit. Universal Life Insurance is appropriate for individuals who have a need for insurance protection for the rest of their life, such as payment of estate taxes, income for surviving family members, etc.

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VARIABLE LIFE
This is typically very similar to a Universal Life policy. However, with Variable Life, the policy values are usually driven by one or a group of investment options selected by the policy owner. These investment options can be used to match the investment risk preferences of the policy owner which can range from conservative (low risk) to speculative (high risk). The performance of the cash value (which can determine the amount and frequency of future premiums) is dependent upon the performance of these investments. Variable Life is designed for those individuals who are willing to accept more of the financial risk associated with investments and combine it with the benefits of life insurance protection. Variable Life products are both securities and insurance. They are offered by First National Investments & Planning. For more complete information about a specific Variable Life product, ask your Financial Consultant for a prospectus. Please read the prospectus before you invest or send money.

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SURVIVORSHIP LIFE (2nd to die)
Survivorship Life was designed to provide life insurance death benefits in estate planning. In such a case, most estate settlement costs occur upon the death of the surviving spouse. Since it's difficult to predict which spouse will be the survivor, Survivorship Life was created to insure 2 lives, but the death benefit is paid only at the second death. A true benefit of this product - Survivorship Life premiums are generally lower than if separate policies were purchased for each individual.

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INDIVIDUAL DISABILITY INCOME INSURANCE
With Individual Disability Income Insurance, the small premiums you pay while you're well are a fraction compared to the benefits the policy provides if you ever become disabled. With Individual Disability Income Insurance, you can realize a steady source of income that you can depend on when you need it most.

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LONG-TERM CARE
Long-Term Care provides invaluable security for many people. It can be a single premium product that gives you a fixed amount of Long-Term Care benefits that can never decrease, while the unused portion of benefits go to your estate tax-free. Or it can be a product that offers benefits that are paid for by annual premiums designed to fit your current budget. In either case, the benefits will be paid when the need for the extra care is present.

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