Multi-Benefit Insurance

Multi-Benefit Insurance is a single-premium life insurance policy that provides tax-advantaged benefits to both the insured and their heirs. It includes:

  • 100% Principal guaranteed with access to the principal
  • Premiums will never increase no on-going premiums
  • Death benefit creates an increased tax-free value to heirs
  • Cash Value grows tax deferred and transfers to heirs tax free
  • Withdrawals that are used for qualified long term care expenses are tax free
  • Income tax-free death benefits for beneficiaries

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  • Insurance products:
    Not FDIC-insured Not insured by any federal government agency Not a deposit No bank guarantee
    Insurance services are provided by Commerce Insurance Services, Inc., an insurance agency, and subsidiary of Commerce Bank. Policies are not available in all states. Certain restrictions apply.