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Life insurance is an essential part of securing any financial future but which type best fits your financial situation can be extremely confusing. Buying life insurance can replace income lost with the death of someone significant in your life. The cash provided can help ensure that people relying on you are not burdened with expenses or face the sale of an asset to pay outstanding debts. An important feature of life insurance is that usually no income tax is due on proceeds paid to beneficiaries.

Each of these life insurance policies has one or more of the features listed below:

  • Temporary Coverage or Permanent Coverage

  • Provides a Guaranteed Death Benefit

  • Focuses on Affordability

  • Can Provide Coverage for Your Lifetime

  • Covers Two Lives With One Policy

  • Has the Potential to Build Cash Value

  • Offers Growth Potential Based on Performance of Index

  • Offers Growth Potential Based on Market Performance

  • Features a Tax-advantaged Death Benefit

  • Includes the Ability to Access Money in Your Policy

  • Offers Riders to Customize Your Policy



Below is a list of types of life insurance and some of their features. Let us help you determine what best fits your needs. There are five primary types of life insurance:


  • Term Life Insurance

  • Universal Life Insurance

  • Indexed Universal Life Insurance

  • Survivor-ship Universal Life Insurance

  • Variable Universal Life Insurance

933 Falmouth Road ~ Route 28
Hyannis ~ MA ~02601
Office: 508-775-6010 or 800-241-4117
FAX: 866-554-0534
Securities Offered Through: KCD Financial, Inc.

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 This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant. ~ Content copyright 2015. All rights reserved.

This communication is strictly intended for individuals residing in the state(s) of FL, MA, RI and WA. No offers may be made or accepted from any resident outside the specific states referenced.

Check the background of this financial professional on FINRA's BrokerCheck.