Why Relying on Term or Group Life Insurance Isn’t Enough

Many Ohio families think term or group life insurance will protect their loved ones. But that assumption could put your legacy—and your family—at risk.

The Hidden Risks of Term & Group Life Insurance

• Term policies often expire before you need them.
• Group plans don’t move with you if you change jobs.
• Payouts may not keep up with inflation or changing needs.

Too many families in Kent and Northern Ohio have discovered too late that their “safety net” wasn’t enough. We’ve seen it firsthand at Crocker Financial.

Why Indexed Universal Life (IUL) Makes Sense

• Permanent Coverage: Lasts your whole life, not just 10–20 years.
• Builds Cash Value: Access funds for emergencies, retirement, or legacy.
• Tax Advantages: Grows tax-deferred, with tax-free access in many cases.

“IUL is more than insurance—it’s a legacy-building tool for Ohio families who want real peace of mind.”

Ready to Protect Your Family’s Future?

Don’t wait until a gap in coverage becomes a crisis. Schedule a 15-minute discovery call with Crocker Financial today and get your free
Mortgage & Legacy Toolkit.

Frequently Asked Questions

Isn’t term life cheaper?

Term is cheaper up front, but many people outlive their policy and end up uninsured. IUL offers lifelong coverage and added financial benefits.

Can my group policy be enough?

Most group plans are limited and not portable—meaning you lose them if you change jobs. It’s risky to depend on them alone.

How do I get started?

Download our toolkit and book a strategy call. We’ll walk you through every step—no pressure, just clarity.

Want more on family wealth and faith-based planning?
Read our featured article here.

For an in-depth explanation of IULs, visit
Investopedia’s IUL Guide.