Term Life Insurance

“Term” is a life insurance policy that provides coverage for a predetermined amount of time. Benefits are gained if the policy owner passes away in a predetermined time frame, typically 10, 15, 20, or 30 years.

     ·        It is the least expensive and simplest of all life insurance policies
·        There is no guarantee of renewal when the term ends
·         We offers the most inexpensive Term Insurance on the market

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Indexed Universal Life Insurance

Indexed Universal Life Insurance is a form of permanent life insurance. It’s an insurance policy where the benefit is assured to be paid upon your death (assuming the policy is kept current). Also, unlike Term Insurance, the policy can accrue a cash value within specified “indexes” (such as the S&P 500 or Nasdaq 100).

   ·         A type of permanent life insurance

   ·         You can choose your “index” based on your risk tolerance

   ·         Cash value has tax-deferred growth

   ·         Can be paired with a Long Term Care rider

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No-Medical Exam Life Insurance

This simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term growth potential.

   ·         Up to $250K death benefit

   ·         No medical exam or blood work is required

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What is an Annuity?

A life annuity is a financial contract, issued by a life insurance company, designed to provide payments to the holder at specified intervals, usually after retirement.

   ·         Guaranteed principal

   ·         Death benefit

   ·         Offers tax deferred retirement income

   ·         Can be structured to give you income for the rest of your life

 

Fixed Indexed Annuity

This is a special class of annuities offered that yields returns on your contributions based on a specific equity-based “index,” such as the S&P 500. With an Indexed Annuity there is a guaranteed minimum return, so even if the stock index does poorly, the holder will not lose any part of his investment. Conversely, the yields will be somewhat lower due to caps and fee-related deductions.

   ·         Offers tax-deferred, retirement income

   ·         For investors who seek protection of capital

   ·         Can be structured to give you income for the rest of your life

 

Debt Settlement

If you have maxed out your credit cards and are getting deeper in debt, chances are you’re feeling overwhelmed. How are you ever going to pay down the debt? This is where Debt Settlement comes in – Our approved partners that will negotiate with your creditors to allow you to pay a “settlement” to resolve your debt. The settlement is another word for a lump sum that’s less than the full amount you owe.

   ·        Best for persons with $30,000 or more in debt

 

 

   We have established strong relationships with some of the best known companies in the financial industry. This allows us to provide families with the best options to meet their needs.