Final Expense Life Insurance
Protect your loved ones with a guaranteed issued, no medical exam life insurance policy up to $100,000. Rates are affordable
Term Life Insurance
Life Term Insurance provides life insurance protection for a specified period. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
For affluent clients with a net-worth of $1 million or more who don't want to liquidate other assets to pay for the life insurance, instead borrows the funds from a third party (bank) to cover the cost of a policy and then pays back in installments
Do you really need life insurance?
A financial planner's job is to help you solve financial problems, and help you prepare your estate to be past down to your beneficiaries A financial planner will coach you toward long-term financial goals and provide you with applicable advice on how to reach your goals such as establishing a budget, eliminating your debt, help you understand tax loopholes, how to protect your assets, start a profitable business, build a real estate portfolio, how to diversify your portfolio, and how much to save for an enjoyable and comfortable retirement.
Whole Life Insurance
Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
Universal Life Insurance
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
Small Business Life Insurance
Some life insurance policies can offer small businesses tax advantages and potential cash value accumulation that can be used for various purposes, such as supplementing retirement income and even business continuation options. Learn more
Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. Cash value is accessed via policy loans, which accrue interest and reduce cash value and death benefit.