This Ain't Your Grandpa's Life Insurance
Years ago, people bought life insurance to pay for their funeral or cremation.
That should be called ‘Death Insurance.’
Life insurance has evolved. Today, it can be used to buy a house or car, or pay for college education, or to start a business, or take a vacation.
Life insurance is for the living, not the dead!
Educate yourself on the benefits on LIFE insurance!
Indexed Universal Life (IUL)
Like all life insurance, IUL provides a death benefit for your heirs, above and beyond the cash value of you.
Funds in an IUL policy grow through indexing, an interest-crediting method that enables policyholders to have interest credited based on a portion of the rise of a stock market index, while protecting the funds if there is a drop in the index’s value.
Whole Life
Whole life insurance offers lifelong coverage and peace of mind by guaranteeing a death benefit for your loved ones. Unlike term insurance, it never expires as long as premiums are paid, making it a dependable financial tool.
One of its major benefits is the cash value component, which grows tax-deferred over time and can be borrowed against for emergencies, education, or retirement needs.
Annuities
Annuities provide a reliable way to secure guaranteed income for retirement, offering peace of mind when market conditions are uncertain.
They also grow tax-deferred, meaning earnings aren’t taxed until withdrawals begin, potentially reducing current tax burdens. Annuities can be tailored with riders for added benefits, such as long-term care or inflation protection.
Term Life
Term life insurance is one of the most affordable ways to protect your family financially.
It provides a guaranteed death benefit for a set period—often 10, 20, or 30 years—making it ideal for covering temporary needs like a mortgage, college tuition, or income replacement during working years.
Premiums are generally lower than permanent insurance, allowing you to secure high coverage amounts at a budget-friendly cost.
Mortgage Protection
Mortgage Protection Insurance (MPI) offers homeowners peace of mind by ensuring their family isn’t left with the burden of monthly payments if they die or become unable to work.
MPI pays all benefits to the policy holder, not the lender.
This coverage helps pay some or all of the outstanding mortgage balance, protecting the home and keeping loved ones secure during difficult times.
Burial/Final Expense
Burial insurance, also called final expense insurance, provides affordable, lifelong coverage designed to ease the financial burden of end-of-life costs.
For seniors or those on fixed incomes, burial insurance offers peace of mind and financial security with a simple, accessible solution.
The death benefit is paid quickly to beneficiaries, allowing families to manage expenses without delay.