Life Insurance

With the right Life Insurance policy, you can provide your loved ones with financial security during an especially trying time. It’s an extraordinary gift that will ease their emotional burden and help them move forward with peace of mind.

We’ve helped thousands of families and individuals weigh their options and choose the best Life Insurance policy for them, and we do it all using straightforward terms and practical, personalized advice.When you select the policy that works for your family, you’ll feel confident and comforted knowing that you’ve planned ahead.

You care for your loved ones every day. Ensure that they’re always protected, no matter what the future holds.

Why do I need Life Insurance?

A good Life Insurance policy will:

Compensate for loss of income
Assist with debts and costs in the short term
Provide funds for college and other future expenses
Help your family continue their standard of living

How much do I need?

You’ll need enough to ensure that your family can continue living the way they do now when you’re no longer around. That number varies with each family. When considering an insurance plan, it helps to ask yourself a few questions and then crunch the numbers. What would it take for your family to continue living in your current home if you were to pass away? What about college for your children? Your spouse’s retirement? After evaluating your everyday expenses and goals for the future, a Redstone Brokerage Services agent can help you determine how much coverage you’ll need.

What type of coverage is right for my family?

One of the first things you’ll want to consider is whether to purchase temporary or permanent Life Insurance. What’s the difference? Term, or temporary, Life Insurance covers you for a set period of time—for example 10, 20, or 30 years. Permanent Life Insurance is an investment that provides benefits for your entire life, no matter how long you live. A Redstone Insurance Services agent can explain the different types of Life Insurance in more detail and will work with you to find the insurance policy that makes the most sense for you and your family.

We offer a variety of plans and options to fit your budget and your goals. To discuss these policies in more detail and to find the best option for you, contact a member of our Insurance Team.

Single Premium Life Insurance

A single premium is deposited creating an immediate death benefit guaranteed for the remainder of the policy owner's life
For those who want to transfer wealth to the next generation while maximizing the amount of funds transferred

Whole Life Insurance

The simplest form of permanent life insurance, it features lifelong protection
This predictable option provides guaranteed premiums, death benefit, and cash value

Universal Life Insurance

A form of permanent life insurance, it provides coverage for an extended period of time
Provides flexibility that allows you to change, within limits, the death benefit and the timing and amount of your premium
Build your policy's cash value, or pay a lower premium and focus more on guaranteed protection

Term Life Insurance

Provides a cost-effective solution for your temporary life insurance needs
Gives you the flexibility to change your policy should your temporary needs turn into permanent goals
Offers the greatest amount of coverage with the lowest premium
Apply for term life online in minutes

Survivorship Life Insurance

May be ideal for those who want to leave an inheritance, protect a business, or provide a lasting benefit to a charity
Covers two people, usually spouses, under one policy, but provides a benefit only after the second person passes away, which is typically when estate settlement matters arise
An important part of any estate plan

Make a plan for your family's future.

Redstone Services GroupSM, LLC d/b/a Redstone Insurance Services, is a wholly owned subsidiary of Redstone Federal Credit Union^® (RFCU^®) but are separate entities. Redstone Services Group, LLC is a licensed insurance agency that sells insurance policies issued by third party insurance companies. The insurance products are not products or obligations of RFCU, are not NCUA or federally insured and are not endorsed, warranted, recommended, or guaranteed by RFCU or any government agency. The insurance products may be offered by a dual employee who also sells insurance products on behalf of a third-party insurance company. RFCU and its affiliates are committed to fair, equitable and nondiscriminatory practices.