INSURANCE PLANS
SMART PROTECTION
Do you have the peace-of-mind of knowing that no matter what life brings you are protected and your family is taken care for in case of the unexpected. We design insurance plans that make sense.
For new home owners, protecting the mortgage of their home with an insurance policy that will pay the balance of this mortgage and avoid foreclosure in case the payments cannot be made due to an illness or death.
For business owners, protecting the income of the business to assure that their families will be taken care of in case they pass unexpectedly or become ill and unable to work.
We create high cash value insurance policies as secure savings vehicles to supplement retirement and create wealth.
We design high cash value insurance policies to eliminate debt, maximizing the return of these plans and creating a road map for healthy finances.
OUR OPTIONS
MORTGAGE PROTECTION
MORTGAGE PROTECTION
MORTGAGE PROTECTION
Mortgage protection is a simplified, quick issue insurance that is used to protect your greatest asset—your home. It’s designed to provide a death benefit to pay off all, or a portion of, your mortgage. Optional riders are available in most states, such as disability income. This protection can be customized to fit you
FINAL EXPENSE
MORTGAGE PROTECTION
MORTGAGE PROTECTION
Final expense plans are designed to help alleviate the financial stress associated with the death of a loved one. Due to the variety of our providers and the flexibility of final protection plans, we can structure a plan to fit your budget and find coverage for you no matter what your current health status may be.
RETIREMENT PLANNING
MORTGAGE PROTECTION
RETIREMENT PLANNING
Fixed Index Plans provide an opportunity for growth without the risk involved with most investments. This is especially attractive to pre-retirees looking to preserve assets they’ve built over several decades. We have the expertise to help you find the best and most suitable annuity products to fit your needs.
COLLEGE FUNDING
DEBT ELIMINATION
RETIREMENT PLANNING
College education costs, forces today’s students into a position of crippling debt that can drag out for decades. Our college funding strategies can make all the difference. With the right products customized to your needs, your children can have a bright future unencumbered by student loan debt.
LIVING BENEFITS
DEBT ELIMINATION
DEBT ELIMINATION
If you’re diagnosed with a chronic or critical illness or condition, living benefits can help you avoid the financial burden by providing a monthly payment or a lump sum to help cover the associated costs. Our clients have found this useful for getting the treatment they want and cover what health insurance don't.
DEBT ELIMINATION
DEBT ELIMINATION
DEBT ELIMINATION
Find out ways to eliminate your current debt, pay your high interest rate credit card loans in less time, reduce the term on your mortgage loan and save money on interests.
Do you know what your effective interest rate on your current debt is?
CASH VALUE LIFE INSURANCE
INDEX UNIVERSAL LIFE - IUL
INDEX UNIVERSAL LIFE - IUL
INDEX UNIVERSAL LIFE - IUL
It is a form of permanent life insurance that will allow you to gain cash value while having a death benefit attached to it. With this option you have the advantage of the earnings when the market goes up and protect your cash value when the market goes down. Perfect for life protection with a added values.
WHOLE LIFE
INDEX UNIVERSAL LIFE - IUL
INDEX UNIVERSAL LIFE - IUL
Perfect for guaranteed cash accumulation without the market risks. Have access to your accumulated savings thru loans and avoid tax consequences or penalties. Perfect for building wealth overtime and use the account as your personal bank while having a death benefit attached to it for unforseable circumstances.
ANNUITIES
INDEX UNIVERSAL LIFE - IUL
ANNUITIES
Excellent retirement option,
a fixed indexed annuity is a tax-deferred, long-term savings option that provides principal protection in a down market and opportunity for growth. It gives you more growth potential than a fixed annuity along with less risk and less potential return than a variable annuity.
INSURANCE COMPANIES WE REPRESENT
Knowing you are in great hands is very important, rest assure we will only work with the best, not only to offer you affordable payments but second to none benefits, when it comes to protecting your self and your love ones, it is not only about your payment it is who is behind your protection.