https://www.insuranceispivotal.com/blog daily 0.75 2025-11-07 https://www.insuranceispivotal.com/blog/group-insurance monthly 0.5 2025-11-20 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/78df668e-51e0-43a0-8b71-8e794ff45b9d/resignation.png Blog - Group Life Insurance — The Power of Coverage Through Work If you’ve ever received life insurance through an employer or union, you’ve had group life insurance. It’s a single contract that covers many people — often employees — under one umbrella. https://www.insuranceispivotal.com/blog/irs-rule monthly 0.5 2025-11-10 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/2effb99f-dcc9-4c06-bce9-9c4e14314ca7/tax.png Blog - How Group Life Insurance Is Taxed — The $50,000 Rule Did you know that part of your group life insurance could be taxable? https://www.insuranceispivotal.com/blog/disintermediation monthly 0.5 2025-11-06 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/20fc6aa3-2726-4d2b-89f2-01c99ab92a31/Disintermediation.png Blog - When History Changed Insurance — The Lesson of Disintermediation In the early 1980s, the world of life insurance faced a financial storm. Interest rates skyrocketed — and many policyholders cashed out their whole life insurance policies to chase higher returns elsewhere. This exodus became known as disintermediation. https://www.insuranceispivotal.com/blog/convert-short-term-to-long-term monthly 0.5 2025-11-05 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/d734223c-c032-45e1-bdae-5f1d8581fb25/long+term.png Blog - How to Turn Temporary Work Coverage Into Lifelong Protection Your group life insurance from work is a fantastic benefit — but it’s not designed to last your whole life. The good news? You can turn that temporary coverage into permanent protection with a few smart moves. https://www.insuranceispivotal.com/blog/group-term-insurance monthly 0.5 2025-11-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/67419911-40e1-45db-a9e8-31cc2773a197/short+term+coverage.png Blog - Your Job’s Life Insurance Isn’t Forever — Here’s What to Know If you get life insurance through your employer, that’s called group term life insurance. It’s an amazing benefit — often free or very inexpensive — but many people don’t realize it expires when your employment ends. https://www.insuranceispivotal.com/blog/tariffs monthly 0.5 2025-11-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/bf145840-e3d8-42db-b465-f56348fb3f25/tariffs.png Blog - Tariffs and Life Insurance: Is There a Hidden Connection? When people hear the word “tariffs,” their minds usually jump to international trade, imported goods, and politics. You might picture higher prices on cars or groceries—not your life insurance policy. But if you’ve ever wondered whether tariffs have any impact on the cost or availability of life insurance, you're not alone. Let’s break it down. https://www.insuranceispivotal.com/blog/decreasing-term-insurance monthly 0.5 2025-04-24 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/a13dd159-ace6-4058-91c1-08fb8b2398c9/Decreasing+Term+House+and+calculator+.jpeg Blog - Planning for the Future: Pros, Cons, and Who Should Consider Decreasing Term Insurance Dive into the world of decreasing term life insurance. Understand the ins and outs and uncover its advantages and disadvantages. Learn if this cost-effective solution is the right choice for you and your family to protect against specific financial obligations. https://www.insuranceispivotal.com/blog/navigating-final-expense-insurance monthly 0.5 2024-04-28 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/5d92102d-8d8f-4633-8fe0-019c74c1d9d7/AdobeStock_222231462.jpeg Blog - Navigating Final Expense Insurance… You’re not alone. As you consider the importance of final expense insurance, understanding the costs, selecting the right plan, and knowing you don’t have to do this alone can make the biggest difference. https://www.insuranceispivotal.com/blog/was-it-always-this-expensive-to-die monthly 0.5 2024-02-10 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/60bc921a-f0f5-416b-a8ab-c38e9356ccd0/Shockedsenior.jpg Blog - Baby Boomers: Was it Always This Expensive to Die?!? When contemplating your end-of-life plans, it is crucial to make informed decisions and understand the role that final expense insurance plays in the financial well-being of your family. https://www.insuranceispivotal.com/blog/ideal-age-purchase-final-expense-insurance monthly 0.5 2024-03-27 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/617ea139-350e-4e00-ab89-5fbdb10e1d6a/seniors+in+woods+raising+arms.jpeg Blog - What is the Ideal Age to Purchase Final Expense Insurance? While you’re planning your future, we tend to overlook our final expense costs. That’s totally understandable as it’s a difficult reality that we have to face and plan for. However, there is a specific type of insurance meant to protect your family from the financial burden of your funeral expenses. https://www.insuranceispivotal.com/blog/final-expense-insurance-protect-your-family monthly 0.5 2023-12-29 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/77d206e7-a916-4df7-93df-ad808ea3d691/AdobeStock_316650588-1-768x438.jpg Blog - Final Expense Insurance is For Them, Not You… Final expenses add up quickly, especially these days considering inflation and price increases, leaving family members struggling to cover the costs. One significant way to help relieve this burden is by having final expense insurance. https://www.insuranceispivotal.com/blog/whole-life-insurance-complete-guide monthly 0.5 2023-11-11 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/fb57b086-c417-45aa-8a85-ae10fa70d5da/whole+life+insurance+cash+value.jpeg Blog - Whole Life Insurance: A Complete Guide for New Buyers Whole life insurance can provide valuable coverage and savings for those looking to protect their loved ones and plan for the future. https://www.insuranceispivotal.com/blog/can-i-purchase-life-insurance-for-someone-else monthly 0.5 2023-11-05 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/e62842e5-2132-442b-8792-0e3567361ad6/grandma+and+adult+grandaughter+sitting+on+park+bench.jpg Blog - Can I Purchase Life Insurance for Someone Else?  Life insurance doesn’t have to be purchased only on yourself. You can take a policy on others, but there are certain stipulations… https://www.insuranceispivotal.com/blog/is-final-expense-insurance-worth-it monthly 0.5 2023-09-16 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/5446d498-8801-409e-a9c4-c9f397510a86/couple+sitting+on+bench+by+ocean+with+a+balloon.jpg Blog - Final Expense Insurance for Seniors: Is It Worth It? By making an informed decision based on your individual financial situation, health condition, and preferences, you can ensure that your legacy is preserved and your loved ones are supported during a difficult time. https://www.insuranceispivotal.com/blog/when-should-you-consider-final-expense-insurance monthly 0.5 2023-12-31 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/5758848f-deeb-4cad-b58e-78d58b7d459f/seniors+hand+holding.jpg Blog - When Should you Consider Final Expense Insurance? When is the best time to protect your loved ones from the burden of final expenses? Explore the emotional and financial significance of obtaining final expense insurance at the optimal age. Your family's future deserves the utmost care. https://www.insuranceispivotal.com/blog/life-insurance-myths-debunked monthly 0.5 2023-08-03 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/d2f7d5f1-988e-4753-89c2-cca848f215fa/Myth+and+magnifying+glass.jpeg Blog - 5 Myths about Life Insurance Debunked It’s critical to understand the importance of life insurance and why everyone should consider purchasing it. https://www.insuranceispivotal.com/blog/universal-life-complexities monthly 0.5 2023-07-28 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3facfe65-bef1-4263-bfe2-170ae99616a0/AdobeStock_163032788.jpeg Blog - How complex is Universal Life Insurance? - Understanding Universal Life Insurance is no simple feat. Do you have a UL policy and know how it works? https://www.insuranceispivotal.com/blog/universal-life-insurance monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/1687834019812-Z256EA5W0A0YAA67R1B4/AdobeStock_316650588-1-768x438.jpeg Blog - Universal Life Insurance: Can I Financially Protect My Loved Ones While Saving for Retirement? Universal Life Insurance can help ensure your family is financially protected should something happen to you. https://www.insuranceispivotal.com/blog/life-insurance-for-seniors monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/1687833216121-1IPB3Q6Q9B6KLERJZBZH/AdobeStock_227220885-1024x502.jpeg Blog - Life Insurance for Seniors: Which Option is Right for You? Don’t wait until it’s too late! Understanding your options for life Insurance for seniors is critical especially as you age. https://www.insuranceispivotal.com/blog/home-protection-insurance monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/7491cd88-92cd-4c4d-aeb6-9f9157d585a8/pexels-andrea-piacquadio-3791617-768x512.jpg Blog - Don’t Risk Losing Your Home: Here’s Why Home Protection Insurance is a Smart Choice Make sure your home and family are protected with home protection insurance. https://www.insuranceispivotal.com/blog/life-insurance-coverage monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/1687832671099-8J31NRT0UIPE2M0EO4ES/pexels-karolina-grabowska-4386431-768x512.jpg Blog - How Much Life Insurance Do I Need? Ensure that your family is financially covered through your life insurance policy. https://www.insuranceispivotal.com/blog/prepare-leave-legacy monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/1687832421893-BLK30LULCOESJI8KP7PF/rod-long-y0OAmd_COUM-unsplash-768x512.jpg Blog - Don’t be Fooled- Are you properly prepared to leave a legacy behind? Per the U.S. Census, there are 76 million baby boomers, and they will all reach 65 or older by the year 2030. https://www.insuranceispivotal.com/blog/life-insurance-coverage-guide monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/232ce4ff-7287-480a-a4ea-b51ef757588f/janosch-lino-snDUMdYF7o8-unsplash-1-scaled-e1679159487783-766x1024.jpg Blog - How Much Life Insurance Coverage Do I Need? As you start a family or reach your golden years, you may wonder, “How much life insurance do I need?” https://www.insuranceispivotal.com/blog/mortgage-protection-insurance-questions monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/1687831982141-SIAWGDRFXZLO3JU6APWJ/pexels-pixabay-356079-1024x620.jpg Blog - 10 Questions to Ask Before Buying Mortgage Protection Insurance Get your Mortgage Protection Insurance questions asked before taking the plunge. https://www.insuranceispivotal.com/blog/pre-need-insurance monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/1687831703063-99KJTUW1NGVU3WTFKVKR/pexels-pavel-danilyuk-7317734-1-768x513.jpg Blog - Pre-Need Insurance: A Smart Investment for Your Future Pre-Need Insurance gives your family to mourn peacefully instead of worrying how to pay for funeral costs. https://www.insuranceispivotal.com/blog/indexed-annuities-guide monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/1687831440185-JCK3HOKXGPY7ELUW61T5/andre-taissin-5OUMf1Mr5pU-unsplash-1024x683.jpg Blog - Understanding Indexed Annuities: The Ideal Investment for Senior Citizens Indexed annuities – grow and protect your lifetime piggybank. https://www.insuranceispivotal.com/blog/active-lifestyle-life-insurance monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/51ce9c92-0092-4df0-857b-957822068e96/pexels-ron-lach-7927956-683x1024.jpg Blog - The Link between Active Lifestyle and Affordable Life Insurance for Seniors An active lifestyle can have major impact on how much you pay for life insurance https://www.insuranceispivotal.com/blog/annuity-rates-guide monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/a8478cdd-36a0-4b74-85ee-5b8e60fb5054/pexels-andrea-piacquadio-3831631-711x1024.jpg Blog - Unlocking the Secret of Annuity Rates: A Guide for Seniors As we age, retirement becomes a more pressing issue. While many seniors may have saved a significant amount of money over the course of their lifetime, it can be difficult to determine the best way to manage those savings to ensure a comfortable retirement. https://www.insuranceispivotal.com/blog/fixed-annuity-retirement monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/1687830686182-N9DA78GBROIPFLRR0DCZ/pexels-andrea-piacquadio-3823493-1-1024x683.jpg Blog - Guaranteed Retirement Income with a Fixed Annuity: Is it Right for You? We understand that investing for retirement can be daunting, and there are many options available in the market https://www.insuranceispivotal.com/blog/mortgage-protection-insurance monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/d2e0307b-a874-436f-94af-da3225151403/mortgage-protection-transparent-768x648.jpg Blog - Protect Your Home: Why Mortgage Protection Insurance is a Must-Have Buying a home is a significant investment and an exciting milestone in anyone’s life, especially for first-time homeowners. https://www.insuranceispivotal.com/blog/life-insurance-premium monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/f69d937c-6b56-472d-ac31-c77e68d86bda/hourglass-768x676.jpg Blog - Life Insurance Premium- Am I Paying a Fair Rate? Your life insurance premium will increase the longer you wait. https://www.insuranceispivotal.com/blog/life-insurance-underwriting monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/95fe2dfd-6d29-4a25-9d96-2f1e6738c0b9/pexels-andrea-piacquadio-3769714-1-768x475.jpg Blog - What is Life Insurance Underwriting? Complex equations are factored in to determine risk class and premium levels. https://www.insuranceispivotal.com/blog/guaranteed-issue-life-insurance monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/551ca857-4d14-4d11-adae-05b9bb6fa6c0/Screen-Shot-2023-01-16-at-10.16.28-PM-1-300x270.jpg Blog - Can I get Life Insurance Guaranteed Issue if I have Medical Issues? Think you can’t get coverage if you have medical issues? Life insurance guaranteed issue may be your way to go. https://www.insuranceispivotal.com/blog/choosing-a-beneficiary monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/74e6af10-83be-42d7-b27c-a1ce4337b47b/pasted+image+0.jpg Blog - What is a Beneficiary and How Should You Choose One? Know your options to ensure that you’re selecting the right beneficiary. https://www.insuranceispivotal.com/blog/term-life-insurance monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/be924ed5-0f84-49c8-b415-c3a098cc70d6/pexels-august-de-richelieu-4262424-683x1024.jpg Blog - Term Life Insurance: Insurance for Income Protection Term Life Insurance is a contract between the insurance carrier and you, the policy owner, that states that they will pay a death benefit to the insured’s beneficiary in exchange for a premium payment – during a specified time frame, hence the word Term. https://www.insuranceispivotal.com/blog/vested-insurance-agent monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/74e52361-c048-47fb-a10e-cc15f233f933/pexels-mikael-blomkvist-6476590-scaled-e1671137804891-768x576.jpg Blog - Vested: What does it mean as an Insurance agent? Being vested from day one means you won’t have to count down the months until you have 100% commission ownership. The term “vested” is often used in describing employer-sponsored retirement plans and how many years it takes for the employee to retain ownership. https://www.insuranceispivotal.com/blog/final-expense-life-insurance monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/75c5c5c8-3414-426e-946e-c3f1f00ac56b/pexels-matt-barnard-6697000-scaled-e1670988337285-768x797.jpg Blog - Final Expense Life Insurance, Simplified. There are many types of Final Expense Life insurance products on the market. Therefore, the options can be overwhelming to determine which works best for you, your family, and your goals. https://www.insuranceispivotal.com/blog/independent-vs-captive-agent monthly 0.5 2023-08-01 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3f97e03a-955d-4164-adcb-36c99f3f8bf0/burst-aoN3HWLbhdI-unsplash-768x512.jpg Blog - Independent Insurance Agent or Captive: Can’t decide between the two? If you are newly 214/215 licensed (congrats!), the first major decision you will have to make is critical… Should you be a Captive or Independent Insurance Agent? https://www.insuranceispivotal.com/blog/tag/%23life+insurance monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23burial+cost monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23policy monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23financialplanning monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23groupinsurance monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23family monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23whole+life+insurance monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23Termlifeinsurance monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23irsrule monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23funerals monthly 0.5 https://www.insuranceispivotal.com/blog/tag/%23final+expense monthly 0.5 https://www.insuranceispivotal.com/home daily 1.0 2025-11-10 https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/4abba203-586e-4c6b-b81d-5a3d39870324/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/3fbfce6b-cbb1-4600-a7da-85126a35b480/Pivotal+P.jpg Home https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/0f20b7d5-abeb-4bec-9a24-b0b4aa572d30/1.png Home A logo featuring a house with a person inside, accompanied by text reading 'Under Home Insurance Company'. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/0136683b-b9a0-4429-88f2-2cbad673c6df/2.png Home Transamerica logo with a red clock tower and blue text on a black background. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/775fc19e-222c-496f-8a35-486bd77a69d5/3.png Home Logo of Sons of Norway organization with a shield emblem and text. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/f328043b-c70a-4d60-ba6a-6fe3e8239bf8/6.png Home Logo of Mutual of Omaha with a lion's head emblem and the company name in blue text. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/f2549ac5-5082-497f-b59c-61ced52bbd32/4.png Home Logo with colorful abstract shapes arranged in a circle and text around it, including "Hobby Lobby". https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/f5aefee3-2859-4712-9e72-1efd8d06fa18/7.png Home Gulf Coast Western Inc. logo with blue diamond and company name in blue and red text. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/91f60f0d-b2ef-4d06-a04a-ae43d19f18e5/10.png Home A cartoon girl with a surprised expression, short hair, and a bow, positioned above the name "Baby Shark" and colorful stripes. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/cfb56aa6-39eb-4f64-9d21-ba0808b1b4e2/8.png Home Logo of Liberty Bankers Life Insurance Company with a blue American flag design and company name. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/fc062bc3-c39a-4660-8e4e-34e32ba46552/16.png Home Black background with a centered blue and white AIG logo. The logo includes a stylized 'AIG' inside a rectangular border. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/ac41f500-7fc1-4d6a-9d75-74547bf26a44/9.png Home GTL logo with the words 'Guarantee Trust Life' beneath it. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/67265524-fdf6-4146-89ce-8580e3fb705a/11.png Home Foresters logo with blue text and red, yellow, and blue stylized leaf design. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/86ca4ff1-b995-49d2-bbfe-455bf2febee9/5.png Home A digitally altered image of the ocean with a small building labeled 'OCCIDENTAL LIFE INSURANCE & C H A R L O T T E N' on top of a structure with colored horizontal lines beneath it, set against a black background. https://images.squarespace-cdn.com/content/v1/64710860cfd5f92fdf345ddb/8cdadb8a-5db9-4409-add6-0f384811eb63/12.png Home Fidelity Security Life Insurance Company logo with green and gray color scheme and stylized lines. 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