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79% of Americans agree they would benefit fromhaving basic financial education and information. Source: The 2018 Consumer Financial Literacy Survey, The National Foundation for Credit Counseling

Welcome to our research center! We've put together a library of information on important financial topics that we believe you'll find helpful.

Simply click on one of the general financial topics below and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

Split-Dollar Life Insurance

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance

Some of the pros and cons of whole life insurance.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Insurance Claims

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Types of Health Coverage

Additional Liability Coverage

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

HMOs and PPOs

Evaluating Insurance Companies

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

Long-Term Care Costs

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.