PROTECT YOUR LEGACY, STARTING TODAY

Term  life insurance provides coverage for a pre-determined amount of time, typically 1-35 years. Death benefit will payout if  the policyowner passes away within the term of the policy

* Cost effective option for young growing families

*There is no guarantee of renewal when the term  ends: however, certain term policies  may allow for option to renew

We offer a compelling Return of Premium (ROP) term insurance policy which returns all contributed premiums if the insured out lives the term period.

*Premiums returns can start as early as the  second year.

* Life insurance protection in place if needed and return of premium investments if not.

 Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policyowner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns 

 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 grown potential.

• Up to $250,000 death benefit.
• No medical exam or blood work is required

 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.

• 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.

"More than one third of all households would feel the adverse  financial impacts within one month if a primary wage earner died."

LIRMA  'Facts about Life 2018'

Nearly 40 Million U.S. households (45%) have no retirement assets, according to recent report by National Institution Retirement Security, and half of those households are headed by someone between ages 45 and 65

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