Personal Protection Strategies for what matters most.
Life insurance and disability income protection designed to safeguard your family, your income, and your legacy, with strategies tailored to your unique situation.
Life Insurance
Protection that lasts a lifetime.
Life insurance is a cornerstone of any comprehensive financial plan. Whether you’re protecting your family’s future, transferring wealth to the next generation, or building tax-advantaged cash value, Polaris helps you choose the right strategy for your goals.
Insurance Policies & Plans
The right policy for your goals.
Each type of life insurance serves a different purpose. Polaris helps you understand the tradeoffs and select the coverage that aligns with your financial plan.
Whole Life Insurance
Death BenefitCash ValueDividends
Permanent coverage with guaranteed premiums, a guaranteed death benefit, and cash value that grows over time.
Term Life Insurance
Death BenefitAffordableConvertible
Coverage for a specific period at a lower cost than permanent insurance. Many term policies can be converted to permanent coverage.
Universal Life Insurance
Death BenefitFlexible PremiumAccount Value
Permanent coverage with flexible premiums and the ability to adjust your death benefit over time.
Variable Universal Life
Death BenefitFlexible PremiumInvestment Options
Combines the flexibility of universal life with the ability to invest your account value in a range of sub-accounts.
Life insurance products contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender periods. Variable universal life insurance has additional risks including possible loss of principal invested.
Disability Income Insurance
Protect your greatest asset: your income.
For most professionals, the ability to earn an income is their single most valuable asset. Disability income insurance replaces a portion of your income if illness or injury prevents you from working.
Individual Disability
Personal coverage that protects a portion of your income regardless of employer benefits, tailored to your occupation and income level.
Group Long-Term Disability
Employer-sponsored coverage that provides income replacement for employees who become disabled.
Ready to protect what matters?
A conversation about your protection needs can uncover gaps you didn’t know existed. Let’s build a strategy that gives you and your family peace of mind.