Insurance
Insurance needs change as you go through life. The right insurance can benefit your family now, and in the future. We offer term life, whole life, universal life, variable universal life, disability and long term care insurance. We can help you determine which policy is right for you, based on your life and your long-term goals.

At HTLF Investment Services we can help you decide what Life Insurance Policy is right for you, and also offer Disability Insurance and Long-Term Care Insurance.

	Balboa Insurance
	Genworth Life
	John Hancock
	Liberty Life
	Lincoln National
	Massachusetts Mutual
	Principal Life
	Sun Life of Canada

Term Life
This is life insurance, which is temporary and will cover you for a predetermined amount of time. Upon death, within the specified time, the death benefit will be paid to the beneficiary. This is often the most inexpensive form of life insurance; however it will not accumulate any cash value.

Whole Life
This is life insurance which requires a level premium for life, and guarantees a minimum cash value growth. Some of the advantages of Whole Life are guaranteed death benefit, guaranteed cash values, fixed and known annual premiums, and access to cash values.

Universal Life
This form of life insurance is base on cash value. There is interest, which accumulates on the premium; interest is usually linked to a financial index. A Universal Life policy is a stable investment option.

Variable Universal Life
A VUL, Variable Universal Life, policy is similar to a Universal Life policy. However the cash value is linked to separate accounts, which operate similarly to mutual funds that can be invested in stocks or bonds. This option creates more risk but allows for more reward.

Disability
This type of insurance provides you and your family the comfort of knowing you will be receiving an income if you find yourself unable to work due to illness or injury. Disability insurance will help you meet your financial obligations should you become disabled.

Long Term Care
This type of insurance will guarantee you are taken care of if you are unable to take care of yourself. The activities of everyday life are regularly taken for granted and not being able to perform these activities can be financially troubling. Often LTC is needed when one has a terminal condition, disability, illness, injury or old age. LTC may be needed for only a short period of time or for years.

How to Get Started
Regardless of your age or how much you have to invest, the time to get started is now. We’ll help you build your future with confidence.
 
For answers to specific questions or concerns,
email us or call us at 1-563-589-2154 or 1-800 397-2000
 

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