Insurance
Insurance needs change as you go through life. The right insurance can benefit your family now, and in the future. We offer access to term life, whole life, universal life, variable universal life, disability and long term care insurance. We can help you determine which policy is right for you, based on your life and your long-term goals.
At HTLF Investment Services we can help you decide what Life Insurance Policy is right for you, and also offer access to Disability Insurance and Long-Term Care Insurance.
- Genworth Life
- John Hancock
- Liberty Life
- Lincoln National
- Massachusetts Mutual
- Principal Life
- Sun Life of Canada
Term Life
This is life insurance, which is temporary and will cover you for a predetermined amount of time. Upon death, within the specified time, the death benefit will be paid to the beneficiary. This is often the most inexpensive form of life insurance; however it will not accumulate any cash value.
Whole Life
This is life insurance which requires a level premium for life, and guarantees a minimum cash value growth. Some of the advantages of Whole Life are guaranteed death benefit, guaranteed cash values, fixed and known annual premiums, and access to cash values.
Universal Life
This form of life insurance is base on cash value. There is interest, which accumulates on the premium; interest is usually linked to a financial index. A Universal Life policy is a stable investment option.
Variable Universal Life
A VUL, Variable Universal Life, policy is similar to a Universal Life policy. However the cash value is linked to separate accounts, with a wide choice of investment options that include stocks, bonds and more. This option creates more risk but allows for more reward.
Variable insurance guarantees are based on claims paying ability of the issuer. Withdrawals made may be subject to fees when distributed, and treated as ordinary income. Outstanding policy loans at death, and withdrawals, will reduce the policy death benefits and cash values. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor’s unit, when redeemed, may be worth more or less than their original value.
Disability
This type of insurance provides you and your family the comfort of knowing you will be receiving an income if you find yourself unable to work due to illness or injury. Disability insurance will help you meet your financial obligations should you become disabled.
Long Term Care
This type of insurance will guarantee you are taken care of if you are unable to take care of yourself. The activities of everyday life are regularly taken for granted and not being able to perform these activities can be financially troubling. Often LTC is needed when one has a terminal condition, disability, illness, injury or old age. LTC may be needed for only a short period of time or for years.
Prospectuses are available for all the companies shown here, and will contain information about each investment company and their products. Investors should consider the investment objectives, risks and charges and expenses of each company's products carefully before investing. You can obtain a prospectus for any of the investment companies listed and earn more by visiting their respective websites or by calling the phone numbers listed on the sites. Read the prospectus carefully before investing.
How to Get Started
Regardless of your age or how much you have to invest, the time to get started is now. We'll help you build your future with confidence. For answers to specific questions or concerns, call us at (815) 637-7027 or (877) 774-7100.
Securities and Insurance products offered through LPL Financial
and its affiliate’s member FINRA/SIPC.
NOT FDIC INSURED * MAY LOSE VALUE * NO BANK GUARANTEE
* NOT A DEPOSIT
* NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY
This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. investment representatives. LPL Financial's U.S. investment representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.
