Term Life Insurance
Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policy owner passes away within the term of the policy.
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Cost effective option for young growing families or individuals looking for more affordable coverage.
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There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
Return-Of-Premium Term
We offer a compelling Return of Premium (ROP) term insurance policy which returns all contributed premiums if the insured outlives the term period.
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Premium returns can start as early as the second year.
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Life insurance protection in place if needed and return of premium investments if not.
Indexed Universal Life Insurance
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policy owner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.
No-Medical-Exam Life Insurance
This simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term grown potential.
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Up to $250,000 death benefit.
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No medical exam or blood work is required.
Fixed Indexed Annuity
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.
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A type of tax-deferred insurance product.
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Can be structured to provide income for life, acting as another resource for retirement income.
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Provides protection from market decline with a guaranteed floor.
Retirement Planning
Planning for a secure retirement is crucial. Explore retirement savings options like 401(k)s and IRAs to grow your nest egg over time. Determine how much you'll need based on your desired lifestyle. Consider insurance products like annuities that provide guaranteed lifetime income. Start saving and investing early to reach your retirement goals.
Financial workshops
Gain valuable money management skills by attending our financial planning workshops. Our educational sessions cover budgeting, saving, investing fundamentals, retirement planning strategies, and determining the right insurance coverage for your needs. Led by experienced advisors, these workshops provide practical guidance to help you build wealth and financial security. Secure your spot today.
Your Family Loves You.
Getting Life Insurance Proves it’s Mutual.
Needless to say, your love for your family is endless. But sometimes, life can get in your way of achieving your dreams for your family. Don’t let the uncertainties of life get in your way of keeping your loved ones protected and secured.