sv southern can help you:

• Find a savings plan to fund your child's college education.
• Get benefits for disability, accident or illness.
• Have funds available to cover expenses while you are not working.
• Tax free and penalty savings.
• Funerary insurance at no additional cost.

What is a life settlement?

Simply stated, a life settlement is  the sale of a life insurance policy for more than its cash surrender value.

Rather than letting your policy lapse after paying years of premiums, or cashing in your policy for the surrender amount, you may be able to sell it, take the cash and achieve other, high priority financial goals.

Are you concerned about

• Mounting medical bills
• Escalating household expenses
• How to afford long-term care
• Insufficient retirement funds
• Outliving your savings
• The rising costs of your life insurance premiums
• Affording that once-in-a-lifetime trip?

Life INsurance

There are many types of life insurance. Term insurance only provides a death benefit for a limited period of time. By contrast permanent insurance can provide a death benefit and the potential to build policy cash value that you can access during your lifetime using policy loans and withdrawals. Permanent insurance can also offer the flexibility to increase or decrease your death benefit as your needs change, as well as the potential to reduce or skip premium payments.

Living benefits

There are additional benefits associated with our life Insurance and annuity solutions provided by optional riders. We call them Living Benefits. Based on the product, living benefits can provide benefits should a qualifying terminal, chronic or critical illness or critical injury occur1, or if your desire is to have an income that you cannot outlive.

Retirement Plans

Helping You Get One Step Closer to Retirement.

How confident are you about having a comfortable retirement? If you are a little worried, you’re not alone. According to a 2014 report by the Employee Benefits Research Institute, 36% of respondents were “not very confident” or “not confident at all” about having a comfortable retirement. We can help.

Participating in your employer’s 403(b) or 457(b) plan can take you one step closer to a retirement that can support your lifestyle.

annuities

An annuity allows you to deposit money (premiums) that can earn interest and grow on a tax-deferred basis with the agreement that  a series of payments will be paid back to you at regular intervals.

Annuities provide or supplement retirement income from Social Security, pension benefits, investments and other sources. You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime. You can take withdrawals of varying amounts when you need the income.