An insurer is observing Life Insurance Awareness Month by releasing “Change Your Perspective on Life,” a discussion of the ways to use permanent coverage.

The brochure explains how the cash value in the policy accumulates on a tax-deferred basis, and that that the cash value can be accessed through loans or withdrawals, according to Hartford Financial, Hartford.

The brochure suggests that consumers can use permanent life coverage to supplement their retirement income; pay expenses associated with a chronic illness; pay college expenses; fund a business continuation agreement; or make gifts to charities.

A copy of the brochure is available here.