Provides protection for the individuals whole life, in some cases protection up to age 120. Grows tax-deffered. Proceeds are received by the beneficiary tax-free (if owned properly).

What does it do?

It builds cash value to use for retirement at a later date. For example, you can use it 1) to off-set future premiums 2) for retirement income at a later date 3) borrow against it for emergencies

Who is this good for?

1) Business owners

2) Individuals who want protection for their entire life

3) Final expense funeral/burial policy

4) Child’s burial policy

5) Gift of life from grandparents to grandchildren

6) On grandparents to fund college for grandchildren

And numerous others. Contact out team for more ideas.

Provides protection for an individual for a specific period of time. Proceeds are received by the beneficiary tax-free (if owned properly). The lowest cost life insurance.

What does it do?

It is pure life insurance protection. It will take care of the needs of surviors in the event of an unexpected death of a loved one.

Who is this good for?

1) Business owners

2) Individuals who want protection for a specific period of time and need the lowest cost of life insurance protection

There is only one premium paid (i.e. why it’s called single premium) for the life of the policy. Provides protection for the individuals whole life, in some cases protection up to age 120. Grows tax-deffered. Proceeds are received by the beneficiary tax-free (if owned properly). It some cases it can pay a higher internal rate of return then what is being paid at other financial institutions (i.e. banks).

What does it do?

It gives an immediate death benefit that is greater than the single premium paid. The death benefit amount is dependent on the age of the insured when purchased.

It builds cash value to use for retirement at a later date. For example, you can use it 1) help supplement retirement income at a future date 2) borrow against it for emergencies 3) provide a tax-deffered financial asset that leaves a tax-free death benefit to the named beneficiary/beneficiaries (if owned properly).

Who is this designed for?

1) Individuals who have lazy* money and want to leave it to someone

2) Final expense funeral/burial policy

3) Child’s burial policy

4) Gift of life from grandparents to grandchildren

5) On grandparents to fund college for grandchildren

*lazy money is what we consider money in a savings account, checking account, money market account, and CD that is earning a low rate-of-return.

This is a unique life insurance product that was designed when interest rates were very high and people were cashing in their whole life policies. The Life Insurance industry had to move quickly and design a product that looked like Whole Life Insurance but was built on a Term Life frame. This provides flexible life insurance protection that allows individuals to adjust (raise or lower) their death benefit coverage and/or premiums. Premium cost is somewhere between the low cost of Term Life and the higher priced Whole Life. All built around current interest rates.

Proceeds are received by the beneficiary tax-free (if owned properly).

What does it do?

It provides life insurance coverage for those individuals or business owners that need flexibility when it comes to their premium payments and death benefit coverage. It allows the insured to plan/adapt accordingly when changes in life happen (when taking on additional debt and needing coverage to protect it).

Who is this good for?

1) Business owners

2) Individuals who want protection and need flexibility to raise/lower premiums as well as death benefit when needed.

3) Anybody and everybody that needs life insurance because of the flexibility it brings

The biggest difference between Indexed Universal Life and Traditional Universal Life is how the cash value is credited. Where Traditional Universal Life’s cash value is driven by current interest rates, Indexed Universal Life cash values are built around different indices (such as the S&P 500 and other indices).

It provides flexible life insurance protection that allows individuals to adjust (raise or lower) their death benefit coverage and/or premiums. Premium cost is somewhere between the low cost of Term Life and the higher priced Whole Life. Proceeds are received by the beneficiary tax-free (if owned properly).

Additional benefits like living benefit riders and guaranteed withdrawal benefit riders can be added or selected to an Indexed Universal Life that gives the policy owner alot more benefits.

What was it designed to do?

It provides life insurance coverage for those individuals or business owners that need flexibility when it comes to their premium payments and death benefit coverage. It allows the insured to plan/adapt accordingly when changes in life happen (when taking on additional debt and needing coverage to protect it). In addition, they want their cash value accumulation built around the S&P 500 or other indices and it have the tax advantages that go with permanent cash value life insurance.

Who is this good for?

1) Business owners

2) Individuals who want protection and need flexibility to raise/lower premiums as well as death benefit when needed.

3) Anybody and everybody that needs life insurance because of the flexibility it brings

Provides protection for the individuals whole life. Grows tax-deffered. Proceeds are received by the beneficiary tax-free (if owned properly). This is generally a low-face amount up to $50,000.

What does it do?

It is built primarily for people who want to pay for funerals or remaining expenses from the doctors and hospitals or any other final expenses that are left for family members at the time of death.

Who is this good for?

1) Someone that waited later in life to purchase Life Insurance

2) Individuals who need some additional Life Insurance to take care of the final expenses