Life insurance offers financial security for you and your family. It can help fill the gap left by your death. Simply stated, it pays money (the 'death benefit') to your family or business (the 'beneficiaries') in the event of your death, if you are the insured. If you don't already have life insurance, you should consider it. The fact remains - whether you want to think about it or not, things have to go on without you.

Conseco offers four types of life insurance products:

• Term Life Insurance - Straightforward coverage that covers you for a set period of time.
• Indexed UL Life Insurance - Permanent coverage with a cash value tied to the markets
• Whole Life Insurance - Permanent coverage that builds cash value with guaranteed premiums
• Universal Life Insurance - Permanent coverage that's flexible to meet your needs and builds cash value

A person should have life insurance that equals five to seven times his or her annual gross income. Money that accumulates in a universal life insurance policy grows tax-deferred. Under current tax laws, generally there is no federal income tax on death benefits paid to a named beneficiary.

What is life insurance?

A life insurance policy is a contract stating that an insurance company will pay a benefit when the insured person dies. If you are the insured, this benefit will be paid to your family or business (called beneficiaries).

How much life insurance do I need?

It depends on many factors. A general rule of thumb is 6 to 8 times your annual salary.

What tax advantages does life insurance give me?

Under current tax laws, there are generally no federal income taxes on life insurance death benefits paid to your beneficiaries. In addition, money that accumulates in a life insurance policy grows tax-deferred. That means you don't pay taxes on the growth on your policy until you take it out.

Is a medical exam required?

There are some life insurance policies that don't require a medical exam, called simplified issue. For most others, a medical exam is required. The exam takes about 30 minutes and is performed by a qualified examiner. The exam includes:

• Questions about your medical history
• Blood pressure and pulse
• Height and weight
• Blood or a saliva sample
• Urine specimen
• EKG (not always required)

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