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For many, life insurance is a critical component of an overall financial plan, and selecting the right amount of coverage and policy type can be a challenge. As with all investments, it’s important to monitor life insurance policies to determine if they’re helping you to achieve your financial goals. PNC Investments can provide you with a no-cost policy review to help confirm you’re receiving the best possible value.
Protect your income and efficiently transfer assets to your heirs
Confirm that policies support your financial goals, including your retirement plan, business plan and estate plan
PNC Investments can assess your evolving needs, coverage and costs to help you make an appropriate selection
Insurance can play a key role in a comprehensive financial plan. In fact, many plans may not be complete without it. Consider the following:
Additionally, life insurance may play an integral role in:
|Term Life Insurance||Permanent Life Insurance|
|Provides coverage for a set period of time, referred to as the term, generally ranging from 1-30 years.||Offers protection for your entire lifetime, as long as you pay the premiums required to stay in good standing.|
|Should you pass away during the term, your beneficiary will receive the policy’s death benefit.||A portion of each payment is designated to a cash value account; this value will generally grow tax-deferred for the length of the policy.|
|At the end of the term, your coverage may be renewable, or the policy may simply terminate.||You may take loans from the cash value account, but any unpaid loans at the time of death will reduce benefits awarded to your beneficiary|
There are a number of types of permanent life insurance, including:
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Pricing & Fees. For a personalized insurance illustration, please contact PNC Investments.
All guarantees are based on the claims-paying ability of the issuing insurance company.
This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.
Important Investor Information: Brokerage and insurance products are:
Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value
Securities products and brokerage services as well as managed account advisory services to US based clients are offered by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and Member FINRA and SIPC. Managed account advisory services for non-US based clients are offered by PNC Managed Account Solutions, Inc., a registered investment adviser. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency (CA License #0B57695).
PNC Investments, PNC Insurance Services and PNC Managed Account Solutions do not provide legal, tax, or accounting advice.
This document provides information on additional compensation that PNC Investments receives from certain mutual fund companies, 529 plan program managers and insurance companies.
This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.
PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.
PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.
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