Life Insurance 

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.

Premium Financing 

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. See below

Why a Fixed Index Annuity Should be in Your Financial Portfolio?
Annuities

Annuities are a great way to supplement your retirement income, compared to using your IRA & 401(k). Using annuities as a retirement supplement is allowing millions of Americans to sleep better at night without worrying the market volatility and running out of money.

Fixed Annuities

A fixed annuity is a type of annuity contract that allows for the accumulation of capital on a tax-deferred basis. In exchange for a lump sum of capital, a life insurance company credits the annuity account with a guaranteed fixed rate of interest while guaranteeing the principle investment. 

Fixed Index Annuities

A fixed index annuity is a type of annuity that grows at a greater of a) an annual, guaranteed minimum rate of return; or b) the return from a specified stock market index (such as the S&P 500 (R), reduced by a certain expenses and formulas.

Ideal Insurance & Annuity Customers Include: Families, Business Owners, Doctors, Lawyers, Authors, Public Speakers, Entertainers, Uber/Lyft Drivers. Network Marketers, Realtors, Real Estate Investors, AirBnB, Insurance Agents, Professional Athletes, and a host of other entrepreneurs.

It's good business for small businesses to plan for the future!

Some of the financial concerns of business owners, executives are most concerned about is maintaining their standard of living and preserving their wealth. The good news is that business owners don't have to worry, we can help you prepare for the future with life insurance. With life insurance a business owner will understand the many ways in which the death benefit and potential cash value can help them ensure that, for their business, life will go on. 

Executive Bonus Plan

The highlight of an executive bonus plan is that the employer pays premium to provide life insurance coverage to key employees and owners. The purpose of an executive bonus plan is to help retain valuable employees and provide permanent, tax-free death benefit protection and tax-deferred savings for retirement.

 

Appropriate business entity:

  • Sole Proprietorship

  • Limited Liability Company (LLC)

  • Partnership

  • S Corp

  • C Corp

Key Person

The highlight of a key person life insurance plan is to protect the business against financial loss in case of a key person. The purpose of a key person plan is generating tax-free money to reimburse the business so it can recruit, hire, and train a replacement. 

 

Appropriate business entity:

  • Sole Proprietorship

  • Limited Liability Company (LLC)

  • Partnership

  • S Corp

  • C Corp

Buy-Sell Agreement

The highlight of a Buy-Sell (cross-purchase) is that each owner purchases life insurance on the owner(s) to buy and sell their respective business interest. A Buy-Sell (entity-purchase) purchases life insurance on the owners to redeem deceased owners' business interest. The purpose of a buy-sell agreement is to use the proceeds to buy the business interest from the deceased owner's estate.

 

Appropriate business entity:

  • Limited Liability Company (LLC)

  • Partnership

  • S Corp

  • C Corp

Deferred Comp. Plan

The highlight of a nonqualified deferred comp plan is to provide supplement retirement, death, and/or disability benefits to key employees. The purpose of a nonqualified deferred comp plan is for personal insurance funds the corporation's obligations to pay benefits to key employees

Appropriate business entity:​

  • S Corp

  • C Corp

Disclaimer:

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.

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