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Nonprofits
Compare Life Insurance
| Which life insurance policies are right for you? Your needs will change as your financial responsibilities and goals change. Could your heirs face an estate-tax burden? Bremer Insurance can help you match policy features to your goals. |
| Builds tax-deferred cash value |
No |
Yes |
Yes |
Yes |
Yes |
| Cash value risk |
NA |
Low |
Some |
Some |
Some |
| Fixed premium |
Yes |
Yes |
Yes |
No |
Yes |
| Privilege to borrow or withdraw |
No |
Yes |
Yes |
Yes |
Yes |
| Flexible investment options |
No |
No |
No |
Yes |
Yes |
| Death benefit amount may fluctuate up or down |
No |
No |
No |
Yes |
No |
| Income tax treatment of benefits |
Generally tax-free |
Generally tax-free |
Generally tax-free |
Generally tax-free |
Generally tax-free |
| Accelerated death benefits |
Yes |
Yes |
Yes |
Yes |
Yes |
| Waiver of premium if disabled |
Yes |
Yes |
Yes |
Yes |
Yes |
| Individuals covered |
1 |
1 |
1 |
1 |
2 |
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