Term Life Insurance
Provides coverage for a specific period of time, also called the "term" of the policy. This is often a smart choice as a part of an overall financial plan. Because the premiums are affordable, you can choose a term length and coverage amount that fits all your needs. You can plan to repay debts, cover ongoing living expenses, and save for future education costs for your loved ones.
Index Universal Life
Designed for clients seeking permanent life insurance protection, plus supplemental retirement income and long-term wealth accumulation. IUL Clients are willing to assume some controlled risk in exchange for potential return. But risk control and potential return can vary from one IUL product to another.
Designed to help you grow assets, while avoiding the risk of losing principal during down markets. You can choose to allocate your money across a range of tax-deferred index interest accounts or a fixed interest account.
Tax-Free Retirement Planning
Life Insurance can also provide supplemental retirement income with tax advantages. It can provide coverage for your family, tax-deferred cash accumulation, protection against market volatility, and the potential for tax-free retirement income.
"Life Insurance you don't have to die to use." Accelerated Benefit Riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.
A life insurance policy helps protect your home, family, and income in case of premature death or the financial risk of a terminal, chronic, critical illness or critical injury.
Supplemental College Funding
Financing educational goals and dreams can be a challenge. Permanent Life Insurance provides a benefit if you become ill or injured, and a cash value component that can be used to help pay for educational expenses. The cash value in a life insurance policy is not defined as an asset for federal financial aid calculations and accumulates tax-deferred.
Protection for your most valuable asset - your income. Individual disability insurance is income continuation, or replacement income. If you're injured or become ill, your disability benefit will replace a percentage of your income while you're unable to work. Income protection insurance pays you so you can pay your mortgage, or rent, buy groceries and meet other ongoing living expenses.
Provides a short term loan for individuals or businesses to use specifically to pay for insurance coverage. The premium finance loan enables the insurance policy holder to spread payments over the course of the policy instead of paying the entire premium up front.