One of life's rewards for working hard and saving for a rainy day is achieving financial security. One of life's realities, however, is the possibility of premature death leaving financial responsibilities for the loved ones left behind. There is a solution: life insurance. Life insurance can create an immediate cash fund for loved ones. So, even if death is premature, financial security for your family is possible.
Provides coverage for a specified period of time such as 10, 20, or 30 years. It is designed to protect short-term needs such as debt obligations, mortgages, or protection while children are young. Typically, term insurance does not provide cash value.
Provides immediate cash value, flexible premium payment plans, tax deferred savings, and guaranteed death benefits. Universal Life programs can be custom designed to fit individual protection needs, financial security needs, and supplement retirement needs.
Provides level death benefit protection with level premiums and guaranteed cash values. Auto-Owners Whole Life insurance can provide needed cash value for emergency family needs and can help supplement future retirement income.
Long Term Care
Long Term Care is the care you receive when you cannot take care of yourself because of a physical or cognitive impairment. This care is usually provided either in your home, an assisted living facility, or a nursing home.
People work hard to afford what they enjoy in life and to pay their continuing expenses such as food, clothing, shelter, utilities, insurance premiums, and entertainment. Their ability to earn an income is their most valuable asset. As Medicare and Medicaid provide limited protection, if that ability is interrupted because of an accident or illness, they may find it difficult to maintain their standard of living and impossible to plan for the future.