Life Insurance
What does Life Insurance do?
Transfer Financial Liability
Protecting your spouse and children from the potentially devastating financial losses that could result if something happens to you.
Finance Future
The ability to take from your life policy or get cash back at the end of your term allows you to fund the things you want in your future with your policy.
Cover Mortgage
Pay off the house for your loved ones & keep the roof over their heads.
Create Generational Wealth
Leave behind money for your spouse & kids to fund their future & continue the cycle with their next of kin.
Our Whole Life Insurance Services
Ask your agent about LIVING BENEFITS (Critical, Chronic, & Terminal Illness riders which pays out to the insured incase of Illness during the working years of life.)
Whole Life
Whole life insurance provides a guaranteed death benefit for the entire life of the insured. As soon as the first premium is paid, the entire death benefit is set aside for your family.
Final Expense
Final expense is a type of whole life insurance and usually has a smaller face amount than traditional insurance. It focuses on covering end-of-life expenses while most life insurance policies focus on income replacement.
Burial / Cremation Insurance
Funeral insurance is a good idea if you're unsure that you'll have money put away at the end of your life to pay for your final expenses. Even if you do have enough funds available, your family might not be able to access it straight away. Having appropriate coverage ensures money will be made available to your family.
Our Mortgage Protection / Term Life Insurance Services
Ask your agent about which products contain LIVING BENEFITS (Critical, Chronic, & Terminal Illness riders which pays out to the insured incase of Illness during the working years of life.)
CBO Term
This Term policy allows you to receive back 50%, 75%, or even 100% of your money back at the end of the Term period for your policy! (Typically more expensive than a regular term)
Term
The affordable route to get as much coverage for as cheap as possible! This is often used to protect the bread winners loved ones incase of death.
MOST USED FOR MORTGAGE PROTECTION.
Decreasing Term
The decreasing Term insurance is a term life policy with a death benefit that gets smaller over time. It's beneficial if you expect your loved ones to gradually need less financial support as time passes.
Continuation Term
You can't extend your current term life insurance policy, you can convert your term policy into a permanent insurance policy or buy a new term at the new age.
Our Indexed Universal Life (IUL) Insurance Services
The "Multiuse Tool" Policy
Permanent
If funded properly this IUL could last until age 121! The IUL has the best of both world features of a Whole Life & Term Life! High coverage & plans for longevity.
Flexible Premium
Once you have a set coverage amount you have the ability to pay the Minimum Monthly Premium up to the Max monthly premium (Paying a higher amount for same coverage creates a bigger cash value flow)
Cash Value
Unlike a 401(k) or traditional IRA, there are no required minimum distributions for cash value accumulation in an indexed universal life insurance policy.
Living Benefits
Critical, Chronic, Terminal, Illness Riders plan for the unexpected turn in health. This policy not only plans for death but plans for a debilitative state that limits the day to day living like bathing, eating, or clothing yourself.
Speak To A Specialist
You don't need to call company to company speaking to their sales agents. Speak to our SPECIALIST & save yourself time & MONEY.
Click the Schedule button down below to Schedule a conversation about Life Insurance, Mortgage Protection, Medicare, or Health Insurance.
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