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An individualized approach to pension planning. You receive similar, but often greater and more flexible, benefits through a specially constructed life insurance approach. This is done in conjunction with the retirement plan, and builds on its strengths.

The objective is not, initially, to have greater monthly cash flow (though you may). The objectives usually reflect your answers to the questions in What Is Important To You?.

The long-term result converts your pension survivor benefit costs into equity in the form of life insurance cash values, or into asset perpetuation when the equivalent value of the retirement pension is paid in the form of a life insurance benefit. In this way, "you and yours" receive value equal to or greater than your retirement system's promise to pay.

What is the benefit to you?
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Great effort has been made to assure accuracy of the representations on these pages. It is possible that there may be technical inaccuracies or typographical errors. Improvements, updates, and changes in the materials contained herein or described on this site may be made at any time without notice. Product availability and benefits are subject to various state licensing and regulatory authorities.
 
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