Life Insurance

First Midwest Financial Network* offers access to a full range of insurance products and services from a variety of carefully selected providers. These insurance products include:

First Midwest Financial Network Life Insurance Options

Term Life

Whole Life

Universal LifeVariable Life

Call 800-241-1749 to get connected with a First Midwest Financial Consultant to determine which insurance product or combination of products will provide the most appropriate protection for your family.

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Term Life

Term life insurance is the most cost-effective form of life insurance and is generally used to provide basic protection for a specified period of time. However, owners of term insurance accumulate no cash value in their policies.

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Permanent Life

These policies generally provide coverage for the insured’s entire life if premiums are paid on time. The policies never expire and never need to be renewed. The death benefit goes to the beneficiaries upon the death of the insured. Permanent life policies have cash value or a savings feature. Whole life, universal, and variable insurance are types of permanent life insurance.

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Whole Life

In this type of permanent life insurance, the premium, death benefit, and cash value amounts quoted at the time of purchase remain the same throughout the policy’s life. The benefit of such policies is that the cash value always stays intact and earns interest, and the death benefit will never decrease. The disadvantage is that the carrier invests the premiums conservatively, meaning these policies typically generate less-than-competitive returns.

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Universal Life

This product is a flexible version of whole life insurance in which premiums can be adjusted within predetermined boundaries. As a consequence, the death benefit can vary. The flexibility of premiums also means that the policy’s cash value, which is interest-sensitive, cannot be guaranteed. However, many new universal life products on the market offer a minimum guaranteed rate of return and death benefit guarantees.

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Variable Life1

This type of permanent coverage allows owners to choose the policy’s investments. This feature adds risk, as the policy’s cash value depends on investment performance. As a consequence, insurers don’t offer a minimum guarantee. Contributions and income remain tax-deferred until the policy is redeemed.

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1Investors should consider the investment objectives, risks, charges, and expenses of the variable insurance contract and sub-accounts carefully before investing. The prospectus contains this and other information about the variable insurance contract and sub-accounts. You can obtain contract and underlying sub-account prospectuses from your financial representative. Read the prospectuses carefully before investing. Variable insurance guarantees are based on claims paying ability of the issuer. Withdrawals made may be subject to fees when distributed and treated as ordinary income. Outstanding policy loans at death, and withdrawals, will reduce the policy death benefits and cash values. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor's unit, when redeemed, may be worth more or less than their original value.
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