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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.

 

Policy Features Term Whole Universal Variable Survivorship
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