FamilyGuard360

Insurance Planning for Professionals

Professionals may have specialized insurance and planning questions because of income, student loans, family responsibilities, employer benefits, business ownership, or immigration status.

Build a clear protection picture

Indexed universal life is permanent life insurance that may credit interest to cash value under a carrier's indexed-crediting method. An index-crediting strategy does not mean the policy cash value is directly invested in an index. Policy charges continue to be deducted, and loans or withdrawals can reduce cash value and death benefits.

Visa-holder and immigrant families

Eligibility for coverage can depend on carrier underwriting, immigration documentation, residence, and U.S.-based income. Carrier rules can differ by visa type and policy amount. Discuss current status and policy requirements with a licensed producer before applying.