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These plans are used to protect a client’s largest investment, which is typically their home. There are several different types of plans that could pay off the home entirely, in part or even just pay the mortgage for a certain amount of time depending on the clients needs and budget. There are several free and additional riders available with these products such as living benefits, return of premium, child/spouse insurance, and disability income. These riders do vary by state, insurance carrier, and eligibility. There are many misleading advertisements that are sent out about mortgage protection. Please call me and and take advantage of a free policy review if you have already purchased Mortagage Protection Insurance.

Unfortunately the day will come when we have to say goodbye to a loved one. Final expenses can be very costly. However, they can covered with a very affordable plan. We have a large variety of carriers in order to ensure that our clients are paying the lowest premiums regardless of their current or past health challenges. Most of these plans cost a lot less than a prearranged funeral and still have options for the client to plan their funeral according to their wishes. We have even partnered with a company that can offer discounted funeral costs at a locked-in price because they negotiate with the funeral homes for you so that your loved ones do not have to worry about increased prices when the time comes. This service ensures that you have the correct amount of final expense protection.

We are partnered with the top insurance companies available to provide a diverse profile of insurance products that can be offered to our clients at extremely competitive pricing. These products include term, whole, guaranteed universal, and index universal life. Some of the policies can be issued without requiring an exam or labs. We will educate you on the different types of policies, prequalify you by using our field underwriting questionnaires, and compare quotes between all suitable  companies to find you the best coverage at the lowest rate. We have a policy suitable for every client regardless of their health or age. The most important thing is that it fits the budget and the needs!

Many policies come with living benefits for free now, but only certain insurance companies offer this option on their policies. Living benefits give the client the option to access a portion of the death benefit while they are alive if they have a qualifying critical, chronic or terminal illness. These benefits are not subject to federal taxes, but some states do have laws, regulations or rules about the taxability of these benefits. We can educate you on the types of polices that offer living benefits and see if you qualify today!

This type of policy grows the fastest out of all of the life insurance policies that are available today. These are permanent policies that offer flexible premiums, coverage, and allow changes to the policy as a client‘s needs change throughout the years. This allows the client to choose their preferred payment and build their cash value over time. The cash value can be used for anything including an emergency, education, or even retirement if structured properly. The client may even choose to just let the policy grow as a tax deferred asset. It is extremely important that you have an experienced and educated agent when choosing this product to ensure that it is structured properly.

These are long term investments protect clients from outliving their retirement or help them build up retirement income. Fixed Index Annuities are annuities that will increase in value when the market increases, but are guaranteed not to decrease in value when the market goes down. Therefore they provide potential growth without the risk of loosing anything unlike most investments. Fixed Index Annuities are very popular for clients that are trying to protect existing savings, build your retirement income, create an increasing death benefit for a loved one and more because funds accumulate on a tax deferred basis and most are available with zero fees.