Life insurance is more than a policy—it’s a promise to protect the people and goals that matter most. Whether you’re looking for temporary coverage, lifelong protection, wealth-building strategies, or supplemental policies to strengthen your financial safety net, Benefits Tower helps you make informed decisions with confidence. We simplify complex options and guide you toward solutions that fit your life, your budget, and your future.
Term Life
Term life insurance provides financial protection for a set period, helping ensure your loved ones are taken care of if something happens to you. It comes in different types, such as level term policies with fixed coverage and premiums, or decreasing term policies that adjust over time. Having term life insurance is important because it offers affordable coverage that can cover debts, living expenses, and future financial goals.
At Benefits Tower, we guide you through the options and help you find the term life plan that fits your budget and your family’s needs—making sure you get the right protection without the stress.
Whole Life
Whole life insurance provides lifelong coverage and builds cash value over time, offering both protection and a financial asset you can use in the future. There are different types, including traditional whole life and variable whole life, each with unique features and growth potential. Having whole life insurance is important because it ensures your family is protected no matter when life changes, while also creating a financial resource you can tap into.
At Benefits Tower, we help you navigate the options and find the whole life plan that fits your goals and budget—making it easy to secure lasting protection and peace of mind.
■ Variable Whole Life Insurance is a type of permanent life insurance that not only provides lifelong protection but also allows you to invest the policy’s cash value in a range of investmentoptions, like stocks and bonds. This means your coverage can grow over time, potentially increasing your cash value.
■ Traditional Whole Life Insurance is permanent coverage that provides lifelong protection and builds guaranteed cash value over time. Premiums remain fixed, and the policy offers predictable growth you can rely on for future financial needs.
Index Universal Life
Indexed Universal Life (IUL) insurance is a flexible permanent life insurance policy that provides lifelong protection while allowing your cash value to grow based on the performance of market indexes. There are variations, such as fixed-index IULs and those with optional riders, to customize coverage and growth potential. Having an IUL is important because it combines protection with the opportunity to build wealth for the future, all while offering flexibility
in premiums and death benefits.
At Benefits Tower, we guide you through the options and help you find the IUL plan that best fits your financial goals and your family’s needs—making it simple to get coverage that works for you.
Critical Illness Insurance
Critical illness insurance provides financial protection if you are diagnosed with a serious condition such as cancer, heart attack, stroke, or other covered illnesses. These policies typically pay a lump-sum cash benefit upon diagnosis, which you can use for medical expenses, lost income, travel for treatment, household bills, or any other financial need.
Having critical illness coverage is important because even with medical insurance, out-of-pocket costs and income disruption can create financial strain during recovery.
At Benefits Tower, we help you choose a critical illness plan that strengthens your overall protection—so you can focus on healing instead of worrying about expenses.
Accident Insurance
Accident insurance provides financial protection if you experience an unexpected injury due to an accident. Coverage may include benefits for emergency room visits, fractures, hospital stays, surgery, follow-up care, and other related expenses. These plans typically pay cash benefits directly to you, which can be used for deductibles, copays, transportation, or everyday living costs while you recover.
Having accident insurance is important because accidents can happen at any time, and even minor injuries can result in unexpected medical bills.
At Benefits Tower, we help you select an accident plan that adds an extra layer of protection—giving you confidence and financial support when the unexpected happens.
Final Expense
Final expense insurance is a type of life insurance designed to help cover end-of-life costs such as funeral expenses, medical bills, and other outstanding obligations. It’s typically offered as simplified whole life or guaranteed issue policies, making coverage accessible and easy to qualify for. Having final expense insurance is important because it protects your loved ones from financial stress during an already difficult time. At Benefits Tower, we help you compare options and find affordable final expense coverage that fits your needs—so you can plan ahead with confidence and peace of mind.
Juvenile Whole Life
Juvenile insurance is life insurance designed to provide coverage for children, helping families lock in protection at a young age while building financial security for the future. It’s commonly offered as whole life or universal life policies that can accumulate cash value over time. Having juvenile insurance is important because it guarantees lifelong coverage, offers potential savings growth, and can help protect your child’s insurability later in life.
At Benefits Tower, we help families choose the right juvenile policy to fit their goals—making it easy to invest in your child’s future with confidence and peace of mind.