Products & Services
Life Insurance
Guaranteed Issue
All Medical Conditions Approved! Living with a pre-existing condition like diabetes, cancer, or another major illness shouldn't mean you can't protect your loved ones. Traditional life insurance might feel out of reach, but that's where Guaranteed Issue Life Insurance comes in. No medical exam or health questions required.
Whole Life
The most popular type of coverage, as it’s a simple plan that lasts your entire life, and includes a cash benefit that grows a small amount of interest/dividends each year based on carrier performance.
Indexed Universal Life (IUL)
Type of Life Insurance that offers both a death benefit and cash value component. So think of a typical Life Insurance policy that also acts as a savings account that grows over time, with interest. The cash value of an IUL is tied to the performance of an underlying stock index, such as the S&P 500 or Nasdaq, where the policy owner is protected from any market downturns due to what is called ‘The Floor Rate’.
Term Life/Cash-Back
Term Life provides you a high amount of coverage, for a cheaper price point, for a given time frame. Great, cost-effective policy for young adults. Term also has a ‘Return of Premium (AKA Cash-Back)’ option, where if you happen to outlive the policy beyond the termination date, 100% of every dollar you spent will be returned to you.
Accidental Death Benefit (ADB)
ADB will cover non-natural causes of death, so think car accidents, plane crashes, recreational accidents, etc. A beneficial aspect of having accidental death insurance is that it is very cheap, and provides a large amount of coverage.
Mortgage Protection
Payment Protector
Payment Protector is a type of Decreasing Term Insurance, often closely aligned with all or a portion of the balance of your mortgage or mortgage payment. As your mortgage balance decreases, so does that of your Term Insurance benefit. Payment Protector is a great, simple way to ‘Insure’ your mortgage’s balance or payment, with term lengths of 15 to 30 years.
With 100% Return of Premium (ROP), every single dollar you contribute is returned to you in full at the end of the policy’s term, which effectively means you would be covering your mortgage for free, provided you outlived the length of the policy, which can be 20, 25, or 30 years. This route is more expensive than the Payment Protector option, for obvious reasons, which is why there’s actually a 3rd option which grants you a 50% ROP, which has a cost that will fall somewhere in between Payment Protector and the 100% Cash-Back option.
Return of Premium (AKA Cash-Back)
Annuities
An annuity is a financial deal with an insurance company. You pay them money (lump sum or installments), and they guarantee payments back to you later, either immediately or at a set date. These payments can last for a fixed period (like 20 years) or even your entire life (Lifetime Income). An annuity may be fixed, indexed (Attached to an index such as the S&P 500), or Variable (Attached to your preference of an individual stock(s).