Life Insurance Policies
Peace of mind for you. Security for them.
A comprehensive financial plan includes the right life insurance coverage. That’s why Apple Bank teamed up with Osaic Institutions to provide you access to top-rated life insurance solutions tailored to your needs.
Osaic Institutions Financial Consultants will assess your unique situation, help you determine the right type and amount of insurance for your needs, and help align your coverage to protect your loved ones.
When life brings changes, you need the flexibility to adjust your coverage, premiums, or beneficiaries - to make sure your insurance coverage matches your priorities at every stage of your life.
Osaic Institutions has partnered with highly rated insurance providers, and carefully selected the carriers we believe have the products to meet your needs. Enjoy peace of mind knowing you have access to trusted coverage options.
Explore Life Insurance options.
From daily living expenses or college tuition to paying for funeral costs, your need for coverage may be greater than you realize. We offer access to a variety of options to fit your goals and budget.
Explore Life Insurance options.
From daily living expenses or college tuition to paying for funeral costs, your need for coverage may be greater than you realize. We offer access to a variety of options to fit your goals and budget.
Term Life Insurance Plans
Term Life Insurance provides coverage for a set period in exchange for regular or one-time payments. If the policyholder passes away during the term period, the beneficiary receives the full payout in a lump sum. This may be a good option if you want more affordable coverage.
- No cash value accumulated
- Opportunity for Whole Life policy conversion*
Whole Life Insurance Plans
Whole Life Insurance provides lifetime coverage and delivers a payout to your beneficiaries when you pass away. It may be a good choice if you have dependents who rely on you for financial support.
- Premiums are initially higher, but never increase
- Accumulated cash value grows tax-deferred
- Borrow against cash value for personal use
Single Premium Insurance Plans
Single Premium Insurance provides lifetime coverage with one upfront payment. After that, no more payments are required. Once approved, the policy is in full force, and when the policyholder passes away, the beneficiaries receive a pre-determined payout.
Long-Term Care Insurance Plans
Even the best financial strategy may fall short when it comes to covering unexpected long-term care costs. Long-term care insurance helps cover care if you get sick or need help with daily tasks. You can receive care in a variety of settings, including at home.
Have your life insurance needs changed?
Major life events can change your life insurance needs. Reassessing your coverage can help ensure you have the right amount of protection for your loved ones. Osaic Institutions Financial Consultants are here to help review your current coverage and needs.
Have your life insurance needs changed?
Major life events can change your life insurance needs. Reassessing your coverage can help ensure you have the right amount of protection for your loved ones. Osaic Institutions Financial Consultants are here to help review your current coverage and needs.
- Getting Married
Marriage can bring new financial responsibilities, so it’s important to reassess your life insurance needs. Whether through term or whole life insurance, updating your coverage can help ensure your spouse is financially protected. - Having a Baby
Evaluating your life insurance helps ensure your family’s future is financially secure. Both term and whole life insurance can help cover expenses like education, daily living costs, or childcare if something happens to you. - Buying a House
Owning a home can add significant financial obligations, making it essential to reassess your life insurance. Term and whole life insurance can help ensure your mortgage can be paid, so your family can maintain your home if something happens to you. - Nearing Retirement
As you approach retirement, it’s important to reassess your life insurance to ensure coverage aligns with your shifting financial needs. You may also consider long-term care insurance for you or your spouse to help cover unexpected costs that may come as you grow older. - Leaving an Inheritance
If securing a financial nest egg for your loved ones is a financial priority, revaluating your life insurance can help bolster that plan. Whole life insurance and single premium policies can build cash value and provide a tax-free payout to your beneficiaries.
Contact us today and we will assist you in evaluating your life insurance needs.
Getting started is easy.
Start the process online or give us a call to meet with a representative to discuss your options. We are here to help you every step of the way.
Getting started is easy.
Start the process online or give us a call to meet with a representative to discuss your options. We are here to help you every step of the way.
- Get a Quick Quote
Check out carrier options and get estimated monthly costs with no obligation to buy—fast, simple, and hassle-free. - Apply Online In 5 Minutes
Once you receive your no-obligation quick quote, moving forward is easy. Complete your application online in about five minutes and take the next step toward securing your coverage. - Receive Approval
You may receive immediate approval, but in some cases, the insurer will follow up by email for additional details, including a medical exam if necessary. Once your insurer has all necessary information, your review will be finalized. - Make a Payment and You're Covered
Once approved, the insurer will email your policy offer with the final cost. Once you accept the offer and make your payment, your coverage will begin.
Have questions? We're here to help.
Visit a branch or speak with a financial consultant.
Call: 800-426-8060
Broker Check | Learn more about Osaic Institutions and its registered financial consultants here at FINRA Broker Check.
Investment and Insurance products and services are offered through OSAIC INSTITUTIONS, INC. (“Osaic”), Member FINRA/SIPC. Apple Bank has entered into an arrangement with Osaic to provide insurance, brokerage, and investment advisory services to customers. ABS Associates is a trade name and does not refer to a separate entity. Osaic is not affiliated with either entity. Products and services made available through Osaic are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.
*Certain Term Life Insurance Plans have the opportunity to be converted to Whole Life Insurance Plans. Your Osaic Financial Consultant can provide you with the details.
| Not FDIC Insured | Not Guaranteed by the Bank |
| Not a Deposit | Not Insured by any Federal Government Agency |
| May Be Subject to Investment Risk | May Lose Value Including Loss of Principal |