There are many different policy options when it comes to life insurance. If you are interested in protecting your family, generating money growth, developing a retirement, or setting up some generational wealth, listed below is brief overviews of different options we provide. 

This is temporary coverage that will usually last a select number of years anywhere between 10-30 years. The initial payment on these is typically the cheapest option of any policy and a level graded premium so the price doesn’t change for the length of coverage chosen.

Guaranteed lifetime protection that will give you access to cash and accumulate growth. This policy will never expire for as long as the policy is paid up to date. This policy allows you to borrow against your policy once certain cash accumulation is surpassed. Premiums will never increase and stay level graded

This policy is for the older generations typically over the age of 60. These work as whole life policy’s and specifically made for burial coverages and funeral expenses. We consider these policies, the Final I Love You.

Works the same as a term policy. Everything about this policy resonates with the term policy, the difference between the two is that with term once the policy is over, you lose all the money you put into the term policy. With the cash back option you reciprocate all of the cash you put into the policy in a lump sum tax free payment

Long term protection with an opportunity for cash growth based on market performance. Payment can be fluctuated based on your coverage needs, the growth of this policy is based off market performance with the benefits accrued tax deferred allowing for max savings. The beneficiary will receive the benefit tax free.

Works as a long term investment that can generate some money growth. It helps those who fear outliving the income they currently have and helps disburse it over the rest of their life. Payments are made monthly, and has life insurance tied into it. The details get more complex for different versions of plans but will be broken down when sitting with an agent.

Works almost the same as a retirement plan, but this annuity lets you put a lump some of money into the policy, and let’s money growth generate to disperse over a set number of years, details get more complex with annuities the more you get into it, get with your agent for more information. 

This is meant to produce permanent coverage for any child from 1 month, up to 17 years old and could possibly be transferred to an adult whole life policy. This gives any child life long protection with premiums that are guaranteed never to increase.  

This will cover any death that results from an accident at a fraction of the price that a regular policy will cost. The difference is, it will only pay out only if it’s a death from a car crash, slip, choking, drowning, machine, or any other situation that is considered accidental.

1 in 4 people will become disabled at some point in their working career.

70% of Americans live paycheck to paycheck, does your family have enough savings to cushion the financial impact a disability may cause?

The average disability check from the social security administration was $1200/month, would your family need more?