Family insurance

Protect your family and your finances

Your family is your top priority. Doing the right thing when it comes to their future is important. And that means making sure they have the financial protection they’ll need if one of you dies unexpectedly or becomes seriously ill.

You and your spouse may have some insurance coverage at work – and that’s a great starting place. But your family deserves a financial plan that protects them and your finances. An advisor can help you determine the right coverage for your needs.

Secure your family’s future

No one knows what tomorrow will bring. Protecting your family today with the right combination of insurance solutions will give you all a much-needed level of security should an unexpected serious illness or death suddenly change everything.

Family insurance options:

Life insurance and critical illness insurance can go a long way to help protect your family and your finances.

Critical illness insurance

  • Helps ease the financial impact if you or your children become seriously ill with a covered condition or illness and lets you focus on recovery
  • A lump-sum cash benefit will help you manage additional costs and everyday expenses such as mortgage payments, child care, education savings, retirement savings and more
  • Insuring your children means you can take time away from work to help care for them without having to worry about lost income

Learn more about critical illness insurance

Term life insurance

  • Helps provide for your family in the event of your death
  • Your family’s circumstances will determine whether the affordability of term life insurance or the lifetime protection of permanent life insurance is right for you
  • By insuring your children you may be able to lock in lower costs, protect their future insurability and provide a solid foundation for their financial future

Learn more about term life insurance

Get family insurance

Step 1: Find an advisor

An advisor can help you determine the right life insurance for your needs. Talk to your advisor or find one near you to help answer your questions – there is no cost to talk to an advisor.

Step 2: Meet with your advisor

To get the most out of the meeting with your advisor, take some time beforehand to think carefully about what you want to achieve. And because your advisor will need additional information to help recommend the policy that’s right for you, get together some basic information about your income, assets and liabilities.

Step 3: Apply for coverage

Your advisor will handle the paperwork for you. You’ll need to submit an application for a policy that will be evaluated by the insurance company. Depending on your age and the type and amount of coverage you want, you will need to answer a medical questionnaire. We may also ask you for additional medical or financial information.