Life Insurance 101 - Finding the Fit
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Many types of policies provide different options to help meet unique financial needs. In addition to providing a death benefit, many permanent life insurance policies build cash value that can potentially generate tax-deferred income for major events like college expenses and retirement needs. Insurance policy loans are not dependent on credit checks or other restrictions, and borrowing rates tend to be relatively low. Life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender periods. Policy loans and withdrawals may create an adverse tax result in the event of a lapse or policy surrender, and will reduce both the cash value and death benefit. Consider the investment objectives, risks, charges and expense of a portfolio and the variable insurance product carefully before investing. Alan Nerad is a registered representative and investment advisor representative of Securian Financial Services, Inc. member FINRA/SIPC. GCG Financial, Inc. and Securian Financial Services, Inc. operate under separate ownership. Pre-registration is required.