Our Services
We are specialize in Term Life, Whole Life and Universal Insurance
TERM LIFE
- Guaranteed protection for a set time period, generally between 1 and 30 years.
- Lower premiums during the selected term.
- Once the terms expires, expect premium to be higher, unless you choose an ROP or Return Of Premium policy type.
WHOLE LIFE
- Most basic type of permanent insurance.
- Guaranteed death benefit.
- Level premiums for the life of the policy.
- Guaranteed cash values once policy matures.
- Cash value is tax deferred.
UNIVERSAL LIFE
- Permanent insurance, similar to whole, a portion of the premium goes into cash value & earns current interest rate.
- Flexible death benefit.
- Level premiums for the life of the policy.
- Guaranteed cash values once policy matures.
- Cash value is tax deferred.
FIXED INDEXED ANNUITIES
- Single premium
- Tax deferred
- 100% downside protection from market declines
- Asset Diversification
FINAL EXPENSE
- Tax free death benefit
- Level premiums
- Funds funeral costs
- Coverage lasts for life