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What is Life Insurance?

Life insurance is a great way to protect your assets for your future benefit as well as for your family. Life insurance can also help aid in the transfer of your wealth for estate planning purposes. Insurance benefits are not taxed, provide income to your beneficiaries when you die, and can be used to pay estate taxes. Policies range from $50 per month to a single lump-sum payment (depending on the amount of insurance purchased along with the age and health of insurer).

Types of Life Insurance

Term Life Insurance

You purchase protection (the "death benefit") for a fixed dollar amount for which you pay a fixed cost every month. You are protected for the "term" of your policy, which could be up to 20 years. If you die during that time period, the death benefit is paid to your beneficiaries tax-free. Term insurance doesn't allow you to build up cash-value, so it's usually the least expensive type of insurance you can buy.

Permanent Life Insurance

Permanent insurance allows you to choose the amount of protection to buy while building up cash value that earns interest tax-deferred. There are many types of permanent insurance that guarantees you stay protected as long as you pay your insurance premiums. Some have a fixed cost for your lifetime, while others have premiums that may change. Guarantees on Life Insurance policies are based upon the claims paying ability of the Issuing Company.

Health Care Planning for Long-Term Care

American Savings Investment Services

Depending on your age, health condition, family situation, and financial assets, you may want to consider Long-Term Care insurance. This insurance covers many of the expenses associated with long-term care and eases the burden on your family, protects your assets, or preserves your assets for your heirs.

  • Provides coverage should you become sick and need in-home or nursing home care
  • Protects your assets from the high cost of long-term care
  • Payable in monthly installments
  • From $100 per month to a single lump-sum payment (depends on amount of insurance purchased and age and health of insurer)

Learn more about our Hospital Accident & Protection Insurance Plan >

Learn more about our Accidental Death & Dismemberment Insurance Plan >


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Common Questions:

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.


Not FDIC Insured

Not Bank Guaranteed

May Lose Value

Not Insured by any Federal Government Agency

Not a Bank Deposit