Life Solutions when you need it most
Term Life
Term life insurance is an affordable policy that can protect your loved ones should something happen to you. Available 100% online or through an agent, term life insurance gives you the option to select your own term length and coverage amount, depending on your unique financial needs
Mortgage Protection
As a homeowner, you probably have homeowners insurance, which protects your home and property from accidents and damage. But what about the people living in your home? Mortgage protection insurance covers your mortgage payments if you’re unable to pay the bills due to disability, critical illness or death and allows your loved ones to stay in their home.
Debt Free Life ®
Debt Free Life ® is a modern way to pay off your debt using the cash value of a specialized whole life insurance policy.
Using our exclusive software, your certified Debt Free Life ® consultant will generate a personalized debt elimination report showing you how and when to pay off each debt and the projected amount of interest you’ll save, all without spending any additional money each month.
Wealth Building Solutions
Indexed Universal Life (IUL) insurance offers a unique blend of financial security and compound growth, making it an attractive option for long-term financial planning and life-time retirement income. Policy holder's are offered the dual advantages of life insurance coverage and tax-free cash value accumulation.
Not sure where to start?
Get a good overview of your needs, goals, and finances with a licensed agent who can provide expert advice and guidance to help you find the perfect life insurance policy.
Wealth Building Solutions
Becoming Your Own Bank
Essentially, when you pay a premium into a properly structured indexed universal life insurance policy, a smaller portion of the funds goes to the basic functioning of the insurance, and the maximum amount goes into a cash saving account that earns interest based on an equity index. Protected from market volatility and income tax, the policy allows you to borrow from your cash value and pay yourself back over time; Hence, "Becoming your own bank."
When considering life insurance, it's essential to look beyond the traditional and explore options that offer living benefits and financial growth potential, providing protection for your loved ones and a long-term wealth building strategy.
Business Protection
Minimize Taxes | Maximize Income
- Pass down your legacy in the most tax-efficient way.
- Incorporated business receive tax-favorable advantages such as premium deductions for properly structured policies.
- Access cash value during your lifetime for business expenses using policy loan options or withdrawals.
- Substantial compound accumulating cash without the risk of downside losses due to a decline in the market.
- An emerging affluent market requiring discretionary income to fund accounts at levels exceeding the minimum premium.
Indexed Annuities
existing 401k, 403b, or IRA?
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance. Store your retirement in the safest way.
- Qualified accounts are not taxed when converted
- A type of tax-deferred insurance product.
- Can be structured to provide income for life, acting as another resource for retirement income.
- Provides protection from market decline with a guaranteed floor.
A Guide to Life Insurance
We know life insurance is a big commitment.
In a complex world, we make protecting those you love as simple as possible. Dive into specific products with our Life Insurance Guide.
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