Knowing that your life insurance policy is set for life can be very reassuring. That’s why SEFCU offers its members whole life insurance. This type of policy guarantees a cash payment to your loved ones if something were to happen to you. In addition, the policy carries a cash value that grows over time. And because the money grows tax-deferred, whole life insurance can also allow for a greater monetary benefit later on. To find out more, call SEFCU at 518-786-9905 or 888-250-6689 (outside the 518 area code), or e-mail agent@sefcuinsuranceagency.com. You’ll learn about these important policy benefits:

Reliability. Your yearly premium and death benefit are set when you purchase your policy, so you don’t have to worry about your costs increasing later on. Some policies allow you to arrange for a specific insurance premium for the first five years and a higher premium for the remainder of the policy.

Income advantage. Most policies allow you to borrow their cash value to fulfill your financial needs and objectives like meeting tuition costs, or creating additional retirement income.*

Rider options. Most plans offer provisions to help address specific needs.

* Withdrawals from the policy’s cash value reduce the death benefit.

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