Our Products
If you own a home, property, business, have assets or are an income earner, we need to talk.
Mortgage Protection
Mortgage Protection is a type of life insurance designed to pay off or pay down your mortgage in the event of your death, disability, or critical illness. It ensures that your family can stay in their home without the burden of mortgage payments if something happens to you. Typically, the coverage matches the term and amount of your mortgage, providing peace of mind that your loved ones won't face financial hardship in maintaining homeownership.
This is a great way to provide the security you need at an affordable price.
Final Expense
Final Expense and Burial Insurance is a type of life insurance designed to cover the costs associated with end-of-life expenses, such as funeral and burial costs, medical bills, and any outstanding debts. This insurance provides financial support to your loved ones, ensuring they are not burdened with these expenses during a difficult time. It typically offers a smaller coverage amount compared to other life insurance policies, making it more affordable, and is aimed at providing peace of mind that your final expenses will be taken care of.
Term Life Insurance
Term Life Insurance is a straightforward and affordable type of life insurance that provides coverage for a specified period, or "term," such as 10, 20, or 30 years. If the policyholder passes away during the term, a death benefit is paid to the beneficiaries. Unlike permanent life insurance, term life does not accumulate cash value and is designed purely for protection. It's an ideal option for those seeking to provide financial security for their loved ones, covering expenses like mortgage payments, education costs, or income replacement during the term.
Term insurance is CONVERTIBLE to PERMANENT insurance as well. If converted within the contract time limits, this can be done at your current age without having to prove insurability. This is an amazing feature that is often overlooked.
Whole Life
Whole life insurance is a valuable insurance product that protects the insured for their entire life. It will remain in effect as long as the premiums are paid and offers a number of advantages. The tax-free death benefits are paid directly to the beneficiary and can be used at their discretion. A whole life policy is also a great gift to purchase for children as a savings instrument or college planning fund.
It provides lifelong coverage as long as premiums are paid. Unlike term life insurance, it combines a death benefit with a savings component, known as cash value, which grows over time at a guaranteed rate. This cash value can be accessed by the policyholder during their lifetime through loans or withdrawals. Whole life insurance offers stability with fixed premiums and a guaranteed death benefit, making it a suitable option for those looking to provide long-term financial security for their loved ones while also accumulating savings.
Indexed Universal Life (IUL)
Indexed Universal Life (IUL) Insurance is a type of permanent life insurance that offers both a death benefit and a cash value component. The cash value in an IUL policy is tied to the performance of a stock market index, such as the S&P 500, allowing for the potential of higher returns compared to traditional whole life policies. However, unlike direct stock investments, the policy’s cash value is protected from market downturns by a guaranteed minimum interest rate. IUL policies also offer flexibility in premium payments and death benefits, making them a versatile option for those seeking both life insurance coverage and the opportunity to grow their savings with market-linked potential.
Annuities
An annuity is a financial product that provides a regular income stream in exchange for a lump sum or series of payments. It’s often used for retirement or short or long-term financial planning.
401k Rollover
A 401k rollover allows individuals to gain personal control over their retirement savings by transferring funds from an employer-sponsored 401k into an IRA (Individual Retirement Account). This offers several benefits, including more investment options, greater flexibility in managing the account, and potentially lower fees. It also provides the ability to consolidate multiple retirement accounts, making it easier to track and optimize investments according to personal financial goals. Additionally, rolling over a 401k can offer enhanced tax planning opportunities and better alignment with one's overall retirement strategy.
In Summary
Mortgage Protection Insurance
- Targeted Coverage: Specifically designed to cover your mortgage, ensuring your home is paid off if something happens to you.
- Peace of Mind: Provides financial security for your family, allowing them to stay in the home without worrying about mortgage payments.
- Simple Application: Often easier to obtain than traditional life insurance, with fewer health requirements.
Final Expense and Burial Insurance
- Covers End-of-Life Costs: Provides funds to cover funeral, burial, and other final expenses, relieving your loved ones of these financial burdens.
- Affordable Premiums: Typically offers lower premiums due to the smaller coverage amounts.
- Guaranteed Acceptance: Often available with simplified underwriting, making it accessible even for those with health issues.
- No Medical Exam: Many policies do not require a medical exam, making it easier to qualify.
Term Life Insurance
- Affordability: Generally lower premiums compared to permanent life insurance, offering a cost-effective way to secure substantial coverage.
- Simplicity: Straightforward and easy to understand, with a clear expiration date and no cash value component.
- Flexible Terms: Available in various term lengths (e.g., 10, 20, 30 years) to match your financial obligations, such as a mortgage or children's education.
- Temporary Protection: Ideal for covering specific financial responsibilities that diminish over time.
Whole Life Insurance
- Lifelong Coverage: Provides coverage for your entire life, as long as premiums are paid, ensuring a guaranteed death benefit.
- Cash Value Accumulation: Builds cash value over time, which grows at a guaranteed rate and can be accessed during your lifetime.
- Fixed Premiums: Premiums remain constant throughout the life of the policy, offering stability in financial planning.
- Dividend Potential: Many whole life policies from mutual companies pay dividends, which can be used to increase the cash value, reduce premiums, or increase the death benefit.
Indexed Universal Life (IUL) Insurance
- Market-Linked Growth: Cash value is tied to a stock market index, allowing for potentially higher returns compared to other life insurance policies.
- Downside Protection: While tied to market performance, the cash value is protected from negative market movements with a guaranteed minimum interest rate.
- Flexible Premiums: Offers flexibility in premium payments and the ability to adjust the death benefit as your needs change.
- Tax Advantages: Growth in cash value is tax-deferred, and policy loans against the cash value can be taken tax-free.
- Customizable Policies: Allows for customization of the policy to fit your financial goals, with options to allocate cash value to different index accounts.
Annuities
-Steady Income: Provides a reliable stream of income, usually during retirement, to help ensure financial stability.
- Variety of Options: Available in various forms, such as fixed, variable, and immediate annuities, to match different financial needs and goals.
- Tax-Deferred Growth: Investment earnings grow tax-deferred until withdrawals are made, which can help increase overall savings.
- Lifetime Payments: Some annuities offer the option for lifetime payments, ensuring you don’t outlive your savings.
- Flexibility: Can be structured with various features like inflation protection or beneficiary options, allowing you to tailor the annuity to your personal needs.
Each of these insurance products and annuities offers unique benefits tailored to different financial needs and life stages.
401k Rollover
- Control: Do you want to leave your money in someone else's control? Yeah, I didn't think so. Rolling your 401k into an account you control offers better protection and strategies that benefit you.