• Probate Avoidance
• Financial Legacy and Bequest Motives
• Asset Protection
• Suitability
• Interest Rates
• Guaranteed Death Benefits

Pacific Life Company provides its customers with services in annuities, college savings, life insurance, mutual funds, and other products. It also provides financial planning and educational information to its customers. Products include:

1) Fixed Annuity: A fixed annuity provides defined growth of principal and interest, free from taxes until money is withdrawn. Fixed annuities generally guarantee a fixed amount of interest for several years; others guarantee rates from one to three years, and renew at the option of the insurance company.

Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in the United States. Guardian and its subsidiaries had $41.3 billion in assets. Guardian provides services in insurance, retirement, investing, education funding, estate planning, and employee benefits. Description of company products below:

Gleaner Life Insurance Society is a company that has, since 1894, offered its clients financial advising and planning through the use of life insurance, annuities, IRAs, and other benefits. As a fraternal beneficiary society, Gleaner Life has been owned and governed by its members who are dedicated to making a difference for individuals and the communities in which they live and serve. Products offerings include:

Ameritas Life Insurance Corporation offers life insurance and annuities tailored to meet insurance and investment needs. Brief descriptions of some of the company's products offerings include:

1) Universal Life Insurance: ULI pays a death benefit to the named beneficiary and provides premium and face amount flexibility. It also provides market rates of interest on a customer's cash value account and tax deferred accumulation.