Life Insurance, Final Expense,

Mortgage Life Insurance,

Long Term Care,

Supplemental Insurance,

Annuities &

Family Banking

There are a lot of Choices

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Term Insurance - The most affordable form of life insurance which provides maximum sum assured at the lowest possible premium.

Whole Life Insurance - Is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime provided required premiums are paid.

Indexed Universal Life - Allows the owner to allocate cash value amounts or fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100. IUL policies offer tax-deferred cash accumulation for retirement while maintaining the death benefit.

Universal Life - Provides flexible premiums, death benefits, and a savings option. The funds that are held the policy's savings component are invested to provide the policyholder with cash build up. Over time, this cash can grow on a tax deferred basis.

Final Expense - (aka burial insurance) Is a policy that is designed to cover the bills that your loved ones will face after your death. These expenses include medical bills and funeral expenses.

Supplemental Insurance - Is additional insurance to pay for out of pocket expenses that your regular insurance does not cover like childcare expenses, utilities, and other expenses that medical insurance doesn't pay.

An Annuity - Is a long-term investment instrument issued by an insurance company designed to help protect you from the risk of outliving your income. The goal is to provide a steady stream of income during retirement.

Long Term Care - (LTC) Is a variety of services which help meet both the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time. Long Term Care can be provided at home, in the community, in assisted living facilities or in a nursing home.

Family Bank - Is a strategy to keep wealth in your family and keep it growing from generation to generation. It is a method of using permanent, high cash value life insurance policies to build a multi-generational "bank".

 

Mortgage Life Insurance - Unlike private mortgage insurance, (PMI)  which is required for loans with low down payments and protect the lenders from default - mortgage life insurance is designed to pay off your mortgage if you die. Mortgage life insurance can also protect you if you become disabled or lose your job. 

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