Purchasing life insurance through a qualified pension plan can be a very attractive option for both those who manage pension assets and for plan participants. We can customize a life insurance program that will work within your plan to help achieve the financial goals of the plan and the personal financial goals of participants within the plan.

Depending on the nature of your plan and your specific objectives, advantages of our program may include:

• An additional option for investing plan accounts
• Provide financial security for participantʼs survivors
• Ability to insure substandard or uninsurable at affordable rates
• No medical exams, blood tests, or health questions
• Death benefits are income-tax free
• Upon retirement, the participantʼs balance in the plan can be converted to an annuity for life at rates guaranteed today
• No sales fee to purchase annuities
• Participants may elect to purchase insurance on the lives of certain relatives
• Upon retirement, policy may be transferred to the participant

• Obtain a higher rate of return on investments of similar risk
• Provide an extremely secure funding vehicle with guarantees as to plan costs and benefits
• Transfer the death benefit risk to the insurer
• Reduce or eliminate any current cost of providing death benefits
• Reduce the amount of plan contributions
• Offset investment losses
• Overcome obligation shortfalls
• Access to low-cost loans on cash values

The insurance products that we use are guaranteed to issue, which means that all eligible participants will receive coverage regardless of insurability.