Insurance and Your Financial Future ^top

For many, insurance is a useful tool for protecting a family's financial future. At ESL Investment Services, LLC, a qualified Insurance Specialist is available to review with you specific insurance options to help meet your needs.

To assure financial security for your family when you're not here, you might consider Term Life insurance. Or, you may find permanent life insurance products--Variable, Universal, or Whole Life--to be better for you.

If you're concerned about asset protection and control over where you receive health care, then Long Term Health Care Insurance would be of interest to you.

In both instances, our Insurance Specialist will help you clearly understand how these insurance products work to secure a sound financial future for you and your family.

Variable Life Insurance (VLI) is an insurance product and should not be considered an investment, savings, or retirement plan. Nevertheless, VLI cash values and death benefits may fluctuate, so the purchaser should be able to assume investment risks.

Please consider the investment objectives, risk, charges and expenses of the VLI contract carefully before investing. The prospectus contains this and other information about the VLI contract. Read the prospectus carefully before investing.

To learn about the benefits of insurance in your future, call ESL Investment Services, LLC, at 585.339.4475 or 800.814.5884. Or stop by an ESL branch near you and schedule an appointment with an ESL Insurance Specialist.

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Guarantees are based on the claims paying ability of the issuer. Withdrawals prior to 59 ½ are subject to a 10% IRS penalty. Surrender charges apply.

No information provided on this site is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under securities laws of such jurisdiction. Securities are offered through LPL Financial.

Fixed annuities and insurance are offered through ESL Investment Services, LLC, a subsidiary of ESL Federal Credit Union. ESL Investment Services, LLC and ESL Federal Credit Union are not insurance companies or insurance underwriters. ESL Investment Services, LLC, member FINRA/SIPC, provides referrals to LPL Financial and its affiliates, member FINRA/SIPC. ESL Investment Services, LLC and ESL Federal Credit Union are not affiliated with LPL Financial or its affiliates.