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Protecting what matters most

Your family is your top priority. While your financial needs, goals and dreams will change, making sure your loved ones are protected will always be important. Life insurance can help provide peace of mind, knowing they’ll be O.K. financially.

What is life insurance?

Life insurance provides a tax-free death benefit to beneficiaries upon the death of an insured person.

Beneficiaries can use the money however they wish – to pay final expenses, reduce debt, cover medical bills and pay everyday living expenses like childcare, groceries and rent or mortgage payments.

How life insurance works

While nothing could replace you, life insurance can ease the financial burden caused by an untimely loss.

Life insurance proceeds can also help your loved ones maintain their lifestyle and help build their future – such as continuing a hobby, funding a college education or saving for retirement.

Securian offers two main types of life insurance policies: term and permanentWe’ve created a side-by-side comparison to help you understand the main features of each type and how they compare.

Term life insurance

Term life insurance is an affordable choice that generally provides coverage for a set period of time. The premiums — or regular payments you make — are the same throughout the specified time period. Term policies don't offer the potential for cash value accumulation. 

Learn more about term life insurance

Permanent life insurance

Permanent life insurance may provide coverage for your entire life and offers the potential to accumulate cash value tax-free. This cash value can be used on a tax-preferred basis throughout your lifetime for expenses like travel, college tuition or supplemental retirement income.

Learn more about permanent life insurance

Types of permanent life insurance

Whole Life Insurance

Provides guaranteed protection for your entire life and fixed cash value growth.

Universal Life Insurance

Provides the potential for protection for your entire life, while offering the flexibility to change your premium or death benefit amounts.

Ask a professional

A financial advisor can help you analyze your needs and help you make the important choice of the insurance that’s right for you.

Find an advisor

Ready to purchase life insurance?

Call Securian at 1-877-491-5271 or contact us online to talk about your insurance needs.

Discuss your needs
Term life insurance vs. permanent life insurance

There are two types of life insurance, term life insurance and permanent life insurance. Learn the difference between and which might be right for you.

Why do I need life insurance?

Life insurance isn’t as complicated or expensive as people think. Here are five excellent reasons to buy life insurance now and stop procrastinating.

Buying life insurance at work

You get other benefits at work – but have you considered life insurance? Learn about life insurance coverage through your employer.

Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods. Please keep in mind the primary reason to purchase a life insurance product is the death benefit.
DOFU 3-2018