Lighthouse Life Insurance
Our life insurance policies are healthy, and the right policy can insure that your beneficiaries are well taken care of. Read below for everything you need to know about life insurance. We cover everything from the basics to the complex to available discounts and special offers. If you need further information, our Lighthouse representatives are just a phone call away.

Understand the Terminology!

	are low in cost
	provide a relatively long term of coverage
	are a low cost way to get maximum insurance protection for a set period of time at a fixed cost
	premium rates you pay for term insurance is guaranteed to remain the same low amount for the duration of the term of coverage selected - up to thirty years

	Term insurance policies build no cash value
	Benefits are paid if you die during the term of the policy coverage. The beneficiary collects the face amount (AKA: death benefit) of the policy income tax free
	Premium rates for renewals of these policies will normally increase at the end of the guaranteed policy period, and you must supply proof of insurability at renewal to qualify for these rates

	For coverage for thirty years or less, a term policy may have an advantage
	For coverage beyond thirty years, a Universal Life or Whole Life policy is most effective
	If your life insurance needs change, check your policy for a conversion privilege that will allow you to covert your term coverage to permanent Universal Life or a Whole Life policy without a medical examination

The Lighthouse Advantage
We'll bring you through the ABC's of an insurance policy. We'll help you balance cost against desired coverage. Finally, you should evaluate and compare various life insurance products to ensure that you are getting the best deal possible.

Let us do the shopping. We'll tailor a policy to fit your needs by obtaining premium quotations from over 25 top rated insurance companies. Then you decide what works best for you. That's it.

	Initially, premiums are generally lower than those for permanent insurance, allowing you to buy higher levels of coverage with maximum protection when you need it.
	It's good for covering specific needs that will disappear in time, such as mortgages or family income needs for children. Term insurance is an effective way to get the most coverage at a low cost for up to thirty years.
	On most policies, the premium may increase after the guarantee period expires.
	Coverage may terminate at the end of the policy term or may become too expensive to continue.
	Generally, the policy doesn't offer cash value or paid-up insurance.

Should you have any additional questions about Lighthouse's life insurance coverage, please don't hesitate to contact your local Lighthouse representative today at 1-888-399-0300. Get the quote you need in the time you need it!

"Please refer to your policy declarations page as special terms, conditions And exclusions may apply."