Life Insurance

Bring a daily peace of mind and financial relief made to protect and secure family/loved one’s future without any burden.

Fund Education

Avoid interest on student loans and put your hard-earned money into a savings
account for your child’s college education.

Financial Security

Protect your family from the unexpected, and ensure their financial safety via life
insurance.

Retirement Savings Plan

Build Wealth & Protect Your Financial Future. As we age, we are more at risk at
disability and powerless to support ourselves.

INDEXED UNIVERSAL LIFE INSURANCE

Indexed Universal Life Insurance (IUL) is a form of permanent life insurance. Indexed Universal Life Insurance provides a death benefit as well as the ability to build accumulation value. This type of policy is for clients seeking opportunities for interest growth based on the S&P 500 Index.

Benefits:
• Cash Accumulation - value has tax-deferred growth
• Provide for Dependents
• Supplement Retirement Income
• Tax Deferral
• Income for life options with the Lifetime Benefit Rider
• Benefit Distribution Option
• Charitable Matching Gift Death Benefit
• Protection if the index drops below 0%
• Death Benefit

TERM LIFE INSURANCE

“Term” is a life insurance policy that provides coverage for a predetermined amount of time. Benefits are gained if the policy owner passes away in a predetermined time frame, typically 10,15,20 or 30 years.

Benefits:
• Least expensive and simplest of all life insurance policies…but no guarantee of renewal when the term ends
• The best alternative for temporary life insurance needs
• Younger persons may acquire substantial face amounts of coverage at relatively low immediate costs
• Life insurance proceeds are not part of the probate estate unless the estate is named as the beneficiary of the policy

ANNUITIES

Now, more than ever, Americans are responsible for accumulating their retirement savings. Annuities are a popular choice during the planning process because they can provide retirement income that lasts a lifetime. In addition, many annuities offer flexible payout options such as paying during a pre-determined period, or over the lives of a couple or an individual. Annuities provide tax-deferred accumulation with the option of receiving a lump sum or fixed periodic premiums beginning on a specific date.

Benefits
• The most significant advantage annuities offer is that they allow you to sock away a more massive amount of cash and defer paying taxes
• Unlike other tax-deferred retirement accounts such as 401(k)s and IRAs, there is no annual contribution limit for an annuity
• Particularly useful for those that are closest to retirement age and need to catch up
• All the money you invest compounds year after year without any tax bill from Uncle Sam
• When you cash out, you can choose to take a lump-sum payment from your annuity, but many retirees prefer to set up guaranteed payments for a specific length of time or the rest of your life, providing a steady stream of income.
• Serves as a complement to other retirement income sources, such as Social Security and pension plans.