Chubb insurance. AXA Life Insurance products

Life insurance: a multi-purpose financial tool

Life insurance is designed primarily to protect your family’s financial security after you die. But your needs change and some types of insurance can offer you access to assets to meet needs during your lifetime. So it’s a smart addition to any financial plan — because it can serve different functions within your overall investment strategy. Life insurance products.

Security for your family should something happen to you

Pay debts and taxes after your death

Allow your family to maintain its standard of living

Support your dependents’ goals and dreams

Provide immediate access to cash

Should your need for a death benefit decrease, certain types of life insurance may serve to provide funds for other needs. Please discuss these options with your financial professional.

Term vs whole life insurance

A must-have for your financial plan

No matter what kind of life insurance you choose, there’s no substitute for the peace of mind it can provide. Life insurance is one of the ways you can protect your family’s financial security should something happen to you. Talk to your financial professional/licensed insurance agent about your long-term needs, and he or she can help you determine:

Which type of insurance is right for you

How much protection you and your family need

How to make the most of your premium dollars

How much life insurance do you need?

One very simple way to get a rough estimate may be to base the amount of insurance on your current, after-tax income (since life insurance is generally paid out tax free). Multiply that by the number of years your beneficiaries will need the income. Remember to make an allowance for inflation.

Cheapest life insurance companies

But there is no substitute for a careful evaluation and review of your life insurance needs with your financial advisor. If you aren't yet working with a financial professional, we can have someone contact you.

The next step

Life Insurance: is not a deposit of any bank; is not FDIC insured; is not insured by any federal government agency; is not guaranteed by any bank or savings association.

1 Withdrawals and loans from life insurance policies may be subject to fees, penalties, and income taxes depending on the specific life insurance policy and the policyholder’s tax situation. Withdrawals reduce the policy value and death benefit. Loans taken from the policies also accrue interest, which will further decrease the policy's cash value and death benefit.

Life insurance and annuities are issued by AXA Equitable Life Insurance Company (AXA Equitable) and by various unaffiliated carriers through AXA Network, LLC and its subsidiaries. Co-distributed by AXA Distributors, LLC and AXA Advisors, LLC, Equitable, AXA Network, AXA Distributors and AXA Advisors are affiliated companies. All guarantees are based on the claims-paying ability of AXA Equitable. The guarantees do not apply to the investment portfolios. AXA Financial, Inc. and its subsidiaries do not provide tax or legal advice.

This material is provided for informational purposes only. Please consult your tax and/or legal advisors regarding your particular circumstances.

Term insurance or life insurance

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