Your baby needs protection from more than just hunger, diaper rash, and the cold. She needs her future protected too.

If you should die prematurely, who would pay the mortgage, cover living expenses, and see to it that your child gets a good education

A term life insurance policy offers:

• coverage for a specific time period

• low costs, so you can meet other pressing expenses

• option to convert to a permanent policy or possibly renew your policy

A permanent life insurance policy offers:

• coverage for the rest of your life (or up to age 90, 95, or 100,
depending on the policy)

• living benefits such as cash value accumulation for tuition, emergencies, or retirement*

• flexibility to meet your changing needs

*Available through loans and/or withdrawals which, until repaid, will reduce the cash value and death benefit of the policy. Withdrawals and surrenders or earning are taxed as ordinary income. If the policy is a modified endowment contract, loans are also taxable, and loans, withdrawals and surrenders of earnings may be subject to a 10% penalty tax if made prior to age 59 1/2.