Our Services

Annuity

Secure your financial future with the power of annuities. Annuities provide a reliable source of income during retirement, ensuring you can enjoy the lifestyle you deserve. Explore our range of annuity options and start planning for a worry-free retirement today! Looking for a guaranteed income stream in retirement? Annuities offer a solution by providing a steady source of income for life. With our customizable annuity options, you can tailor your plan to meet your specific financial goals. Take control of your retirement and secure your future with Sunrise Insurance & Investments.

An annuity is a financial product that provides a stream of periodic payments to an individual over a specified period. It is typically used as a tool for retirement planning to ensure a steady income stream during one’s post-working years. Annuities are offered by insurance companies and can take various forms. Here’s an overview of annuities, their need, and benefits:

The Need for Annuities:

1. Retirement Income: One of the primary reasons people purchase annuities is to secure a reliable income stream during retirement. Annuities can provide a regular source of income that individuals cannot outlive, addressing concerns about running out of money in retirement.
2. Risk Management: Annuities offer a way to manage certain financial risks, such as market volatility and longevity risk. Longevity risk is the risk of outliving one’s savings, and annuities can provide a solution by offering guaranteed income for life.
3. Tax-Deferred Growth: Many annuities offer tax-deferred growth on the investment, meaning that the earnings on the principal are not taxed until the funds are withdrawn. This can be advantageous for individuals looking to maximize their savings and potentially reduce their tax liability during the accumulation phase.
4. Legacy Planning: Annuities can also be structured to include death benefits, allowing individuals to pass on remaining funds to their beneficiaries if they pass away before exhausting the annuity. This can be a way to provide financial support to heirs.

Benefits of Annuities:

1. Lifetime Income: One of the primary benefits of annuities is the ability to receive a guaranteed income for life, regardless of how long an individual lives. This can provide financial security and peace of mind during retirement.
2. Tax Advantages: The tax-deferred growth feature of annuities can be advantageous during the accumulation phase. While contributions are made with after-tax dollars, the earnings are not taxed until withdrawals are made, potentially allowing for greater wealth accumulation.
3. Flexibility in Payout Options: Annuities offer various payout options, allowing individuals to choose how they receive their income. Options include a fixed period, lifetime income, joint and survivor options for couples, and more.
4. Death Benefits: Many annuities come with death benefit options that allow beneficiaries to receive the remaining value of the annuity if the annuitant passes away. This feature can be used for legacy planning.
5. Diverse Product Offerings: Annuities come in various forms, including fixed annuities (guaranteed interest rates), variable annuities (investment-based with potential market returns), and indexed annuities (linked to a specific market index). This diversity allows individuals to choose the type that aligns with their risk tolerance and financial goals.

Acquiring Annuities:

1. Assessment of Financial Goals: Individuals need to assess their financial goals, retirement needs, and risk tolerance to determine if an annuity is a suitable option.
2. Product Selection: Choose the type of annuity that best aligns with financial objectives. Consider factors such as risk tolerance, desire for a fixed or variable income, and any additional features like death benefits.
3. Annuity Purchase: Annuities are typically purchased through insurance companies. Individuals can work with financial advisors to select the appropriate product, and the annuity is funded through a lump-sum payment or a series of contributions.
4. Annuitization: When ready to receive income, individuals can choose to annuitize the annuity, converting the accumulated value into a stream of payments. This marks the transition from the accumulation phase to the distribution phase.
5. Payout Phase: During the payout phase, the individual receives regular payments based on the chosen annuity payout option. Payments can be fixed, variable, or indexed, depending on the type of annuity selected.

Annuities play a crucial role in retirement planning by providing a guaranteed income stream and addressing specific financial risks. They offer flexibility, tax advantages, and diverse product options, making them a valuable tool for individuals seeking financial security during their retirement years.

Credit Repair

Credit repair is a process that involves taking actions to improve an individual’s creditworthiness and fix any negative information on their credit reports. The goal is to raise credit scores and enhance the individual’s ability to qualify for better interest rates, loans, and financial opportunities.

The Need for Credit Repair:

1. Credit Score Impact: A low credit score can result from various factors, including late payments, defaults, bankruptcies, or inaccuracies on credit reports. A poor credit score can limit access to favorable financial terms and opportunities.
2. Financial Goals: Individuals with low credit scores may face challenges when pursuing financial goals such as buying a home, obtaining a car loan, or securing favorable interest rates on credit cards.
3. Employment and Housing: Some employers and landlords may check credit reports as part of the hiring process or rental application. A negative credit history could impact job prospects or housing opportunities.
4. Interest Rates: A higher credit score often translates to lower interest rates on loans and credit cards. Improving credit can lead to significant savings on interest payments over time.

Benefits of Credit Repair:

1. Access to Better Credit Terms: The primary benefit of credit repair is the ability to qualify for better credit terms. This includes lower interest rates on loans and credit cards, which can save individuals money over the life of their debt.
2. Improved Financial Opportunities: With a higher credit score, individuals may be more likely to be approved for various financial products and services, such as mortgages, auto loans, and credit lines.
3. Negotiating Power: A better credit score gives individuals more negotiating power when dealing with lenders. They may have the ability to request lower interest rates or better terms based on their improved creditworthiness.
4. Enhanced Reputation: Improving credit reflects positively on an individual’s financial responsibility. It can contribute to a positive reputation and may be considered by employers, landlords, and financial institutions.
5. Reduced Stress: Managing financial challenges and navigating the consequences of a poor credit history can be stressful. Credit repair provides a pathway to resolving these issues, reducing stress, and regaining control over one’s financial situation.

Credit Repair Process:

1. Credit Report Review: Obtain copies of credit reports from major credit bureaus and carefully review them for inaccuracies, errors, or negative items.
2. Dispute Inaccuracies: Dispute any inaccuracies or errors found on credit reports. This may involve submitting documentation to the credit bureaus to support the dispute.
3. Payment Negotiations: Work with creditors to negotiate payment plans, settlements, or arrangements to address outstanding debts.
4. Establish Positive Credit Habits: Building positive credit habits, such as making timely payments, keeping credit card balances low, and avoiding new debt, is crucial for long-term credit repair.
5. Professional Assistance: In some cases, individuals may seek the assistance of credit repair professionals or credit counseling services to guide them through the process.
6. Patience and Persistence: Credit repair is not an instant process. It requires patience and persistence as individuals work through the steps and wait for changes to reflect in their credit reports.

Credit repair is a proactive and strategic approach to improving one’s creditworthiness and financial prospects. It provides individuals with the tools and resources to rectify negative information, raise credit scores, and access better financial opportunities, ultimately contributing to greater financial well-being.

Debt Solutions

Debt solutions encompass a variety of strategies and programs designed to help individuals manage and ultimately overcome their financial obligations. These solutions are particularly relevant for those facing challenges in repaying debts, managing high-interest rates, or experiencing financial distress. The Need for Debt Solutions:

1. Overwhelming Debt: Many individuals find themselves burdened by high levels of debt, including credit card balances, loans, and other financial obligations. This can lead to stress, financial instability, and a diminished quality of life.
2. High-Interest Rates: Accumulating debt with high-interest rates can make it challenging for individuals to make meaningful progress in repaying what they owe. High-interest charges can contribute significantly to the overall debt burden.
3. Financial Hardship: Life events such as job loss, medical emergencies, or unexpected expenses can contribute to financial hardship, making it difficult for individuals to meet their debt obligations.
4. Credit Score Impact: Unmanageable debt can negatively impact credit scores, affecting the ability to secure favorable terms for future loans, mortgages, or credit.

Benefits of Debt Solutions:

1. Debt Consolidation: One approach to debt solutions involves consolidating multiple debts into a single, more manageable payment. This can simplify financial management and, in some cases, reduce interest rates.
2. Debt Settlement: Debt settlement programs aim to negotiate with creditors to settle debts for less than the total amount owed. This can result in lower overall payments and a faster path to debt freedom.
3. Credit Counseling: Credit counseling services provide individuals with financial education and assistance in creating a budget. Counselors may also negotiate with creditors to establish more favorable repayment terms.
4. Debt Management Plans (DMPs): DMPs are structured repayment plans facilitated by credit counseling agencies. They involve consolidating multiple debts into one monthly payment with reduced interest rates, making it easier for individuals to stay on track.
5. Bankruptcy: While typically considered a last resort, bankruptcy may be a necessary debt solution for some individuals facing extreme financial hardship. It can provide a fresh start by discharging certain debts, though it comes with long-term consequences on credit.
6. Financial Education: Debt solutions often include a component of financial education to help individuals understand the root causes of their financial challenges and develop better money management habits.

Navigating Debt Solutions:

1. Assessment: Individuals need to assess their financial situation, including the total amount of debt, interest rates, income, and expenses.
2. Professional Guidance: Seeking the advice of financial professionals, credit counselors, or debt management experts can help individuals explore the most appropriate debt solution for their unique circumstances.
3. Negotiation: For options like debt settlement or debt consolidation, negotiation with creditors may be necessary to secure more favorable terms.
4. Implementation: Once a debt solution is chosen, individuals must commit to the plan and adhere to its terms, whether it involves making regular payments, following a budget, or participating in a debt management program.
5. Monitoring and Adjustments: Regularly monitor progress and make adjustments as needed. This may involve revisiting the budget, reassessing the debt repayment plan, or seeking additional support if circumstances change.

Debt solutions are vital tools for individuals seeking to regain control of their financial lives. These solutions provide relief from the burden of overwhelming debt, offer avenues for negotiation, and often include educational components to help individuals build a more secure financial future. The key is to choose the right debt solution based on individual circumstances and commit to the process of financial recovery.

Estate Planning (Trust & Wills)

Secure your legacy and protect your loved ones with comprehensive estate planning. At Sunrise Insurance & Investments, our team of experts can guide you through the process of creating a personalized estate plan that aligns with your unique needs and goals. Take control of your future and ensure your assets are distributed according to your wishes. Plan for the future and leave a lasting legacy with Sunrise Insurance & Investments’ estate planning services. Our experienced advisors can help you navigate the complexities of wills, trusts, and other essential components of estate planning. Protect your assets and provide for your loved ones with a well-crafted estate plan. Start planning today for peace of mind tomorrow.

Final Expense Insurance

Final expense insurance, also known as burial insurance or funeral insurance, is a type of life insurance designed to cover the costs associated with a person’s funeral, burial, and other end-of-life expenses. The primary purpose of final expense insurance is to alleviate the financial burden placed on the deceased individual’s family or beneficiaries during a difficult time. Here’s an overview of final expense insurance, its need, and benefits:

The Need for Final Expense Insurance:

1. Funeral and Burial Costs: Funerals and burials can be expensive, and the costs can add up quickly. Final expense insurance helps ensure that these costs are covered, sparing the family from the financial strain associated with a funeral.
2. Unforeseen Expenses: In addition to funeral and burial expenses, there may be other costs associated with settling an individual’s affairs after their death. This can include outstanding medical bills, legal fees, or other debts that the deceased may have left behind.
3. Peace of Mind: Final expense insurance provides individuals with peace of mind, knowing that their end-of-life expenses are taken care of. This can be particularly important for those who don’t want to burden their loved ones with financial responsibilities during a challenging time.

Benefits of Final Expense Insurance:

1. Coverage for End-of-Life Expenses: The primary benefit of final expense insurance is that it covers the specific costs associated with a person’s death, including funeral, burial, and related expenses.
2. No Medical Exam Required: Many final expense insurance policies are designed to be more accessible, and they often do not require a medical exam for approval. This makes them an attractive option for individuals who may have health issues that could impact their ability to secure traditional life insurance.
3. Fixed Premiums: Final expense insurance typically comes with fixed premiums, meaning that the premium amount remains constant for the duration of the policy. This can make it easier for individuals to budget and plan for their end-of-life coverage.
4. Quick Payout: Final expense insurance policies often provide a quick payout to beneficiaries, allowing them to access funds promptly to cover immediate expenses. This can be important for covering time-sensitive costs associated with funeral arrangements.
5. No Restrictions on Use of Proceeds: Unlike some other forms of life insurance, final expense insurance proceeds are generally not restricted in terms of how they.

Financial Education (Retirement Planning)

Gain the knowledge and confidence you need to plan for a secure retirement with our comprehensive financial education program. Our team of experts will guide you through retirement planning, helping you understand the strategies and options available to achieve your financial goals. Start your journey towards a worry-free retirement today!

Health Insurance (ACA, Obamacare, Medicare)

Ensure your health and financial well-being with the right health insurance plan. At Sunrise Insurance & Investments, we offer affordable health insurance options, including Affordable Care Act (ACA) plans and Medicare coverage. Protect yourself and your loved ones with comprehensive health insurance that fits your needs. Don’t let medical expenses drain your savings. Sunrise Insurance & Investments, you can find the perfect health insurance plan to meet your needs and budget. Whether you’re looking for an ACA plan or Medicare coverage, our team of experts is here to guide you through the process and ensure you have the right coverage. Take control of your health and financial future today.

Index Universal Life Insurance (IUL)

Index Universal Life Insurance (IUL) is a type of permanent life insurance that combines a death benefit with the potential for cash value accumulation linked to the performance of a stock market index, such as the S&P 500. This financial product offers policyholders both a death benefit to protect their beneficiaries and the opportunity to build cash value over time through market participation.

The Need for Index Universal Life Insurance: IUL is often sought by individuals who are looking for a life insurance policy that provides both protection for their loved ones and the potential for cash value growth. It can be appealing to those who want the flexibility to participate in market gains while having some downside protection compared to traditional variable life insurance.

Benefits of Index Universal Life Insurance:

1. Death Benefit: Like other forms of life insurance, IUL provides a death benefit that is paid to the beneficiaries upon the policyholder’s death. This can help replace lost income, cover funeral expenses, and provide financial support for the family.
2. Cash Value Accumulation: One of the distinguishing features of IUL is its cash value component. A portion of the premium paid by the policyholder goes into a cash value account, which has the potential to grow over time. The cash value can be accessed through policy loans or withdrawals, providing a source of funds for various needs, such as education expenses or supplemental retirement income.
3. Market Participation with Protection: IUL offers the opportunity to earn interest based on the performance of a stock market index. However, the policy typically includes a floor that protects against market downturns, ensuring that the cash value doesn’t decrease when the index performs poorly.
4. Flexibility in Premiums: Policyholders often have flexibility in adjusting their premium payments within certain limits. This can be advantageous during times of financial uncertainty or changing circumstances.
5. Tax Advantages: Similar to other forms of life insurance, death benefits from IUL are generally income tax-free for beneficiaries. Additionally, the cash value growth is tax-deferred, meaning policyholders can accumulate value without immediate tax implications.

Acquisition of Index Universal Life Insurance: Acquiring an IUL policy involves several steps:

1. Assessment of Needs: Determine the amount of coverage needed based on financial goals, such as providing for dependents or leaving a legacy.
2. Policy Selection: Choose an IUL policy that aligns with financial objectives and risk tolerance. Consider factors such as the selected index, participation rates, caps, and floors.
3. Underwriting Process: Undergo a medical and financial underwriting process to assess eligibility and determine premium rates. The health and age of the applicant can impact the cost of coverage.
4. Premium Payments: Pay regular premiums to keep the policy in force. The premium amount may be flexible within certain limits, allowing policyholders to adjust payments based on their financial situation.
5. Monitoring and Adjustments: Periodically review the policy and make adjustments as needed. This may involve reassessing coverage needs, modifying premium payments, or adjusting the allocation of funds within the policy.

Index Universal Life Insurance provides a combination of death benefit protection and the potential for cash value growth tied to market performance. It can be suitable for individuals seeking a flexible and tax-advantaged way to secure their family’s financial future while participating in potential market gains.

Kids College Fund

Planning for your child’s college education? At Sunrise Insurance and Investments, we understand the importance of saving for your child’s future. Our team of experts can help you create a customized plan to ensure you have the funds you need when it’s time for college. Start building your child’s college fund today and give them the gift of a bright future. Give your child a head start in life with a well-funded college education. At Sunrise Insurance & Investments, we offer tailored solutions to help you save for your child’s future. Our team of financial experts can guide you through the process and help you make informed decisions. Invest in your child’s education today and secure their path to success.

Life Insurance (IUL, Term, Whole)

Are you looking for comprehensive life insurance coverage? At Sunrise Insurance & Investments, we offer a range of options, including Indexed Universal Life (IUL), Term Life, and Whole Life insurance. Protect your loved ones’ financial future with a policy tailored to your unique needs. Secure your family’s financial future with Sunrise Insurance and Investments’ life insurance solutions. Whether you’re looking for flexible coverage with IUL, affordable protection with Term Life, or lifelong benefits with Whole Life, we have the right policy for you. Take the first step towards peace of mind today.

Long Term Care Insurance

Long-term care insurance is a crucial component of comprehensive financial planning, especially for individuals and families preparing for the potential need for extended care in the future. This type of insurance provides coverage for a range of services, including assistance with daily activities, nursing care, and rehabilitation, either at home or in a long-term care facility. The need for long-term care insurance arises from the rising costs of healthcare and the potential impact of long-term care on one’s financial well-being. By acquiring long-term care insurance, individuals can protect their assets and ensure that they have access to quality care without depleting their savings or retirement funds.

The benefits of long-term care insurance are multifaceted, offering peace of mind and financial security to policyholders and their families. With this coverage in place, individuals can receive the care they need without imposing a significant financial burden on their loved ones. Long-term care insurance also provides flexibility in choosing the type of care and the setting in which it is received, empowering individuals to maintain their independence and quality of life. Additionally, acquiring long-term care insurance early can result in lower premiums and greater coverage options, making it a proactive and cost-effective strategy for addressing potential long-term care needs.

Acquiring long-term care insurance involves a thoughtful and informed decision-making process. It begins with evaluating one’s current financial situation, future care needs, and preferences for care. Working with a knowledgeable and empathetic insurance professional, such as Nana Agyeman at Sunset Insurance & Investments, can help individuals navigate the complexities of long-term care insurance and make informed choices. By understanding the various policy options, coverage limits, and benefit structures, individuals can select a long-term care insurance plan that aligns with their unique needs and priorities, providing them with the peace of mind and financial security they deserve.

Term life insurance is a type of life insurance that provides coverage for a specified term or duration. If the policyholder passes away during the term, a death benefit is paid out to the beneficiaries. Unlike permanent life insurance policies, term life insurance does not accumulate cash value, and it is designed to provide straightforward and affordable coverage for a predetermined period. Here’s an overview of term life insurance, its need, and benefits:

The Need for Term Life Insurance:

1. Financial Protection: The primary need for term life insurance is to provide financial protection for dependents and beneficiaries in the event of the policyholder’s death. This protection is crucial during the years when the policyholder’s income is most essential for the family’s financial well-being.
2. Affordability: Term life insurance is generally more affordable than permanent life insurance, making it an attractive option for individuals looking for cost-effective coverage. This affordability allows individuals to purchase higher coverage amounts for a given budget.
3. Specific Financial Responsibilities: Many people choose term life insurance to cover specific financial responsibilities or obligations, such as a mortgage, education expenses, or other debts. The policy duration can be aligned with the time it takes to pay off these obligations.
4. Income Replacement: Term life insurance serves as a tool for income replacement. If the policyholder is the primary breadwinner, the death benefit can replace lost income, helping the surviving family maintain their lifestyle and cover ongoing expenses.

Benefits of Term Life Insurance:

1. Affordability: Term life insurance is often more affordable than permanent life insurance, allowing individuals to purchase higher coverage amounts for a given premium.
2. Simplicity: Term life insurance is straightforward and easy to understand. It provides a death benefit if the policyholder passes away during the specified term, without the added complexities of cash value accumulation or investment components.
3. Flexible Policy Duration: Term life insurance policies typically offer a range of term lengths, such as 10, 20, or 30 years. This flexibility allows individuals to choose a term that aligns with their specific needs and financial goals.
4. Customizable Coverage: Policyholders can customize the coverage amount based on their financial needs and the needs of their beneficiaries. This flexibility ensures that the policy meets specific financial obligations and responsibilities.
5. Convertible Options: Some term life insurance policies come with a conversion option, allowing policyholders to convert their term policy into a permanent life insurance policy without the need for a new medical exam. This can be beneficial if circumstances change, and a more permanent solution is desired.

Acquiring Term Life Insurance:

1. Assessment of Coverage Needs: Individuals should assess their coverage needs by considering factors such as outstanding debts, future financial obligations, and the financial well-being of their dependents.
2. Term Selection: Choose the appropriate term length based on financial goals and the time frame during which coverage is needed. Common terms include 10, 20, or 30 years.
3. Application Process: Complete the application process, which involves providing information about health, lifestyle, and other relevant factors. Depending on the policy and the amount of coverage, a medical examination may be required.
4. Underwriting: The insurance company evaluates the application, considering factors such as age, health, and lifestyle. The underwriting process determines the premium rate for the policy.
5. Policy Issuance: Upon approval, the policy is issued, and the policyholder begins paying regular premiums to keep the coverage in force.
6. Payment of Premiums: Pay regular premiums throughout the term to maintain coverage. If the policyholder passes away during the term, the death benefit is paid out to the beneficiaries.

Term life insurance is a straightforward and cost-effective solution for providing financial protection during a specific period. It offers flexibility, affordability, and customizable coverage, making it a popular choice for individuals looking to address their temporary life insurance needs.

Whole life insurance

Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the policyholder. In addition to a death benefit, whole life insurance policies have a cash value component that accumulates over time. This cash value can be accessed by the policyholder during their lifetime. Whole life insurance is designed to provide lifelong coverage and can serve various financial purposes. Here’s an overview of whole life insurance, the need for it, and its benefits:

The Need for Whole Life Insurance:

1. Lifetime Coverage: The primary need for whole life insurance is to provide coverage for the entire lifetime of the policyholder. Unlike term life insurance, which covers a specified term, whole life insurance ensures that a death benefit is paid out whenever the policyholder passes away.
2. Wealth Transfer: Whole life insurance is often used as a tool for wealth transfer. The death benefit can be passed on to beneficiaries, providing them with a tax-free inheritance. This can be valuable for individuals looking to leave a financial legacy to their heirs.
3. Cash Value Accumulation: The cash value component of whole life insurance policies accumulates over time on a tax-deferred basis. This cash value can be accessed by the policyholder through loans or withdrawals for various financial needs, such as education expenses, home purchases, or supplemental retirement income.
4. Estate Planning: Whole life insurance can play a role in estate planning by providing liquidity to cover estate taxes and other costs associated with the transfer of assets to heirs. It can help ensure that heirs receive their intended inheritance without the need to sell assets.
5. Financial Security: Whole life insurance offers a level of financial security by guaranteeing a death benefit to beneficiaries. This guarantee can be comforting to individuals who want to ensure that their loved ones are provided for financially, regardless of when they pass away.

Benefits of Whole Life Insurance:

1. Lifetime Coverage: Whole life insurance provides coverage for the entire lifetime of the policyholder, offering peace of mind that beneficiaries will receive a death benefit whenever the insured individual passes away.
2. Cash Value Growth: The cash value component of whole life insurance policies grows over time. This growth is guaranteed, providing a stable and predictable source of savings that can be accessed by the policyholder during their lifetime.
3. Tax-Deferred Growth: The cash value accumulates on a tax-deferred basis, meaning that policyholders do not pay taxes on the growth of the cash value until they make withdrawals or receive a loan against the policy.
4. Dividend Payments: Some whole life insurance policies are eligible for dividends, which are a share of the insurance company’s profits. Policyholders can use dividends to increase the death benefit, accumulate more cash value, or receive them as a cash payment.
5. Loan and Withdrawal Options: Policyholders can access the cash value through policy loans or withdrawals. This provides flexibility for the policyholder to use the accumulated cash value for various financial needs without surrendering the policy.
6. Level Premiums: Whole life insurance typically has level premiums that remain constant throughout the life of the policy. This can be advantageous compared to term life insurance, where premiums may increase upon renewal.

Acquiring Whole Life Insurance:

1. Assessment of Financial Goals: Individuals should assess their financial goals, estate planning needs, and desire for lifelong coverage to determine if whole life insurance is the right fit.
2. Policy Selection: Choose a whole life insurance policy that aligns with specific financial objectives. Consider factors such as the desired death benefit, premium payments, and any additional features, such as dividend options.
3. Underwriting Process: Undergo a medical and financial underwriting process to assess eligibility and determine premium rates. The health and age of the applicant can impact the cost of coverage.
4. Premium Payments: Pay regular premiums to maintain the policy. Whole life insurance premiums are often higher than those of term life insurance, but they remain level throughout the life of the policy.
5. Accessing Cash Value: As the cash value accumulates, policyholders can access it through policy loans or withdrawals. It’s important to understand the impact of these actions on the policy’s death benefit and cash value.

Whole life insurance provides lifelong coverage and a range of financial benefits, making it suitable for individuals with long-term financial planning goals, estate planning needs, and a desire for both death benefit protection and cash value accumulation.