I am a Life Insurance Specialist. We are offering a gift idea the embraces purchasing insurance for family members. We have a brand new permanent life product, Farmers Indexed Universal Life. These policies operate in a low risk capacity based on the stock market. FIUL also offers a free Chronic Illness rider that can be accessed when and if needed a a reasonable fee and discount. Families are gifting life insurance policies at low premiums for children and grandchildren that will help with education. I will be happy to meet with you to explain your options and custom design a program for you.
