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Life Insurance for Family & Business

Have you planned for the transfer of your assets once you are gone? It's important to have a plan in place to help ensure your wishes are carried out and in an efficient manner. We can guide you through each step of the planning process to help ensure your estate is transferred the way you want. 

We can work with different life insurance companies with diverse products and underwriting strengths to provide you with products and services. The insurance companies'  tax, legal and plan design specialists have developed strategies to help make informed decisions about what product to purchase. We have access to specialists in estate and charitable tax planning, as well as product design. 

Life insurance can provide you with many potential benefits:

If you currently own life insurance, you should ask yourself the following questions:

When properly structured, cash value life insurance can help provide valuable financial features to the policy and to the beneficiaries after the insured's death. It can be an effective and versatile retirement planning tool in addition to the death benefit feature associated with the life insurance policy.

Ray Bening is licensed in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KS, MD, MI, MN, MO, NE, NJ, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, VA, WA, and WI to offer life insurance (including variable life), annuities (including variable annuities), and is securities registered in AR, AZ, CA, CO, CT, FL, GA, IA, IL, MN, NE, OR, and WI and adviser registered in IA.  William “Duke” Reichardt is licensed in AL, AZ, CA, CO, DE, IA, IL, MI, MN, NE, NJ, NV, NY, OR, OK, SC, TX, and WA to offer life insurance (including variable life), annuities (including variable annuities), and is securities registered in IA and CO and adviser registered in IA.

This site is not a solicitation of interest in any of these products in any other state.

IMPORTANT CONSUMER INFORMATION: Ray Bening and Duke Reichardt may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if he is excluded or exempted from the state's registration requirements.  Follow-up, individualized responses to consumers in a particular state by Ray and Duke that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion.  For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA representative or any financial institution he represents, contact your state securities law administrator.

Insurance products from the Principal Financial Group® are issued by Principal National Life Insurance Company (except in New York), Principal Life Insurance Company, and the companies available through the Preferred Product Network, Inc.  Securities and advisory products offered through Principal Securities, Inc., member SIPC.  Principal National, Principal Life, the Preferred Product Network and Principal Securities are members of the Principal Financial Group, Des Moines, IA 50392.  Ray Bening and Duke Reichardt, Principal National and Principal Life Financial Representatives, Principal Securities Registered Representatives, Financial Advisors.  Bening Financial Organization is not an affiliate of any company of the Principal Financial Group®.

Principal Life maintains certificates of authority to transact insurance in all 50 states. Principal Life NAIC identification number is 61271. Principal National NAIC identification number is 71161.

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