Customizable Policies With Tax Benefits
ReliaStar offers extensive term and permanent life insurance policies that keep you protected against any circumstance that may arise. With hugely cost-effective temporary plans like TermSmart and ROP Endowment Term, and more permanent policies with cash value potential and added benefits, ReliaStar is here to help.
Term Life Insurance Products
- Voya TermSmart is a temporary life insurance policy that can be obtained for terms of 10, 15 or 20 years. Premiums and coverage are guaranteed to remain level throughout the chosen term and you’ve got the ability to exchange this policy for a Voya cash value policy (like a Universal Life) without a medical exam. This is an extremely cost-effective plan with benefit payouts starting at $100,000 and up to millions of dollars.
- Voya ROP Endowment Term can be obtained in terms of 20, 25 or 30 years. Premiums and coverage are guaranteed to remain level throughout the chosen term and you’ve got the ability to exchange this policy for a Voya cash value policy (like a Universal Life) without a medical exam. This policy contains tax-advantaged cash value that can be borrowed against while the policy is active. There is no policy fee and, if you outlive the term period selected, your premiums are returned in full.
Universal Life Insurance Products
This plan is built to last a lifetime. With income tax-free death benefits, tax-deferred cash value growth, and flexible premium payments, universal life insurance is a reliable way to secure your future.
*ReliaStar’s UL-CV is offered only in New York.
Indexed Universal Life Products
This plan provides flexible benefits and a guaranteed death benefit. With an indexed universal lie plan, you’ve got the ability to build cash value based on market indexes. There are risks involved with investment, but this plan is built to protect you from any market losses with a guaranteed minimum interest rate. With this, you’re safe from negative index crediting rates in a down market.
*ReliaStar’s IUL-Protector is offered only in New York.
ReliaStar Life Insurance – Offering Cost-Effective Plans
ReliaStar’s term and permanent life insurance plans offer affordable perks that make coverage even more attainable. While some of their permanent plans are limited to New York residents, ReliaStar offers many other plans that cater to customers nationwide. Call our office or fill out our online free quote form to obtain further information on what these plans are and how they can help you achieve the ultimate life insurance coverage.