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Life Insurance

Life Insurance is a valuable tool in estate planning. While different people have different needs, at its core, the decision to purchase life insurance is about providing financial security for those that you love. 

Term Insurance is one type of coverage and is usually more economical. It provides coverage for a set period of time specified by a number of years, and while there is no cash value, it provides a death benefit if the insured dies while the policy is active. You can choose a 5-, 10-, 15-, 20- or 30-year term based on your specific needs and vision of the years ahead.

Term Life Insurance is intended to help replace lost income and cover needs that will "go away" over time. It is insurance for a specific number of years. Most policies have coverage that will not change for the term selected. In addition, many proprietary content term insurance policies have an option that allows you to convert to a permanent policy without a medical exam.

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Long-Term Care Insurance

Long-Term Care Insurance is often overlooked by many people, perhaps because they don't understand its role in the estate planning process. Long-Term Care Insurance is designed to help cover the cost of your care as you age. Its goal is to protect the assets you built while saving for retirement, preserve inheritance, and provide for your care without placing a financial strain on your children or other family members. This may include but is not limited to home health care, custodial care, nursing home care or other expenses that are not covered by Medicare. 

You can plan and prepare for all of these scenarios by choosing from a variety of coverage and benefits, including benefit periods, elimination periods, maximum benefit payouts and inflation protection. Education First Financial Group knowledgeable financial advisors are here to answer all your questions and help you select the solution that is right for you.

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This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. Guarantees are based on the claims-paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. 

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Education First Financial Group are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Education First Financial Group, and may also be employees of Education First Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Education First Federal Credit Union. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value

LPL Financial Form CRS

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with the residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Check the background of investment professionals associated with this site on FINRA's BrokerCheck. 

Education First Federal Credit Union (EFFCU) provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay EFFCU for these referrals. This creates an incentive for the EFFCU to make these referrals, resulting in a conflict of interest. EFFCU is not a current client of LPL for advisory services. Please visit for more detailed information.

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