Our Services
Our products are designed to provide preparative protection concerning life’s certainty (Death), and also for the myriad of unfortunate negative happenings that can occur in your life that may not result in death, but that can have a devastating physical/financial/legal impact on you.
Life Insurance Types & Related Products
Provides permanent protection and a fixed, level (unchanging) premium for the life of the policy. No price increases, nor will the policy ever end (unless payments cease to be made). Policy also builds cash value which can eventually be accessed by the policyowner. Ideal for those who want to take advantage of cash growth, seniors/individuals with preexisting health conditions, or anyone who wants the certainty of having a product that is guaranteed to remain in force with no changes or expiration.
Also a type of permanent life insurance, in that it offers a death benefit. This product is also designed for substantial & significant cash value growth based on how a chosen stock market performs. Unlike the fixed premium of traditional whole life insurance, IUL provides incredible flexibility regarding premium payments/contributions.
Also seen as temporary insurance, Term insurance provides coverage for a fixed period of time (typically 5, 10, 15, 20, 25,or 30 year periods). Monthly premium payment amount is locked during the term length that you select. At the expiration of the term, coverage terminates and you would need to reapply if you still desire coverage. Policy has conversion options, which allow you to convert all or a portion of your coverage to permanent (will affect premium). Ideal for younger people, younger families, or people that have a limited budget. Most term plans do not accumulate cash value.
Coverage designed to pay off the mortgage and/or any related living expenses in the event of the premature death of the homeowner/breadwinner. The plan will be formatted to coincide with the length of your mortgage, ensuring that the property can be paid off and safely remain in the care of the family. Your plan can be structured to provide an initial lump sum payout, flexible monthly payments to a named beneficiary(ies) for a specified period of time, and a final lump sum payment at the end of the monthly payment period.
Permanent life insurance to cover your children. Great for cash accumulation and establishing something that the child can take ownership of when they obtain adulthood. Depending on when & what is purchased, some plans can be “paid up” at a certain age (meaning no further premium payments are needed but coverage continues for life).
Provides a death benefit in the event of a COVERED ACCIDENTAL death ( covered accidental death causes are disclosed within the policy). Dismemberment refers to any accident which does not result in death, but results in a significant bodily loss (eye, limb for example). Once again, exact description of what’s covered is detailed within the policy.
Provides a lump sum benefit payment upon an occurrence/diagnosis of a covered condition (varies by company and subject to underwriting approval of application).
Provides a lump sum benefit payment upon an occurrence/diagnosis of a heart attack, stroke, or cancer (subject to underwriting approval of application).
Allows the insured to receive benefits from their insurance policy while they are living, in the event that they are diagnosed with a critical, chronic, or terminal illness. Certain policies make provisions for a lump sum payout, while others allow the insured to determine the amount that they would like to access. Terms and conditions are disclosed within each individual policy.
Provides a monthly income to the insured for a specified period of time, upon the onset of a covered disability.
This feature makes provision for monthly premiums to be waived after a specified period of disability. Policy will specify both the qualification period, and the length of time that premiums will be covered (or date of expiration of provision).
Depending on your age, this provision gives you the opportunity to purchase additional amounts of insurance without evidence of insurability (no additional health underwriting or screening). Great for younger families who really want to bulk up their face amount before they outgrow the provision age.
We Are Passionate About Protection!
We are confident about our ability to help you accomplish the goals you have concerning the protection of your family. We translate your trust into excitement, expertise, and solutions!
18 Years of Experience
Proven track record of delivering trusted Life Insurance & Protective solutions.
Knowledgeable
Skilled professionals dedicated to the financial protection of both you, and those important to you.
Nationwide Coverage
Proudly serving individuals and families across the country. Protection for most products is available, even if you relocate to another state.
24/7 Full Support
We pride ourselves in being available to address your needs and concerns, and look to provide solutions in a timely manner.
