PRODUCTS & SERVICES

Exclusive LifePlan 360

Reducing Health Coverage Cost by 60%

Retirement Protection

Indexed Universal Life

Trust & Estate Planning

Simplified Issue Insurance

Disability and Illness Coverage

Mortgage Protection

Final Expense Burial Insurance

Funeral Planning Services

Dental Plans

Accidental Plans

Cancer Plans

Tele Medicine: 24/7 Dr access by phone

LifePlan 360- The Greatest Financial Plan Ever Created!

Every one of our clients has a plan to get debt free immediately and have a plan to pay cash for our major purchase between now and retirement, an exact age for retirement, an exact amount they will need in retirement and an exact income equal or greater than 100% of the income they were living off of before retirement for their entire retirement and when they die they will leave an inheritance tax free and probate free. We don’t ‘Wing It” like all the other advisors do!

Check out this short video, click this link: LifePlan 360 Short Video!

 Our Advisors provide their clients with….

  • A plan for and a plan to protect & cover all of life changes- Homes, Cars, College, Marriages, Emergencies, Vacations, Current Lifestyle, Retirement, leaving a Legacy & more!
  • The ability to eliminate debt and stay debt free for Life!
  • A guaranteed retirement strategy where they know exactly how much they will need for retirement!
  • Exactly how much income they will draw for life!
  • A retirement income that is 100%-150% of their current income when they start retirement and taking income!
  • Protection from catastrophic events – Financial, Market or health related!
  • Probate & Estate tax free inheritance to heirs!
  • Financial education that everyone needs!
  • The ability to pay cash for all future large ticket items – Boats, Cars, Vacation Property, Exotic Vacations, Land, helping kids or grand children!

Indexed Universal Life – “The New kind of Life Insurance!”

Power of the IUL can help you in many ways!

  • Protection if you pass away!
  • Living Benefits while your still alive!
  • Cash Value that can build tax free and provide LIFETIME INCOME!
  • College Savings with many benefits!
  • We help clients with Indexed Annuities also!

We help families on a regular basis save money on health care and show them how they can now use the IUL for all around protection! Take the Harts, unfortunately they lost a large portion of their retirement income during the crash of 2008-2009. They now have an IUL which allows them to save money that grows tax free and is protected from any more future crashes from the market. They have not and will not lose money in the IUL due to crashes in the market ever again! They also utilized the IUL for their kids college savings. This allows them to save money that will not count against them if they child applies for student grants or loans! Many families are taking advantage of the benefits of IUL protection. We call it “The New Life Insurance”!

Final Expense Burial Insurance

Fact: 10 out of 10 people will pass away (Can you prove it wrong?)

  • Low cost benefit that will pay your funeral expenses!
  • Allows for planning now so your family is not left with an unexpected financial burden.
  • The Family controls funds to cover any related cost they need to take care of.

Average Funeral Cost have drastically increased over the years. People are opting to be cremated instead of a traditional funeral because cremation cost less. Take advantage of Final Expense coverage so you can make the choice from the heart instead of the cost.

Mortgage Protection Coverage: Your Home is probably one of your families greatest investments, protect it!

Fact: 10 out of 10 people will pass away (Can you prove it wrong?)

  • Pay off your home for the family in the event of an untimely death.
  • Get cash if you become disabled to pay your mortgage or anything else, it’s your cash!
  • Access a part of the death benefit if you are in the event of a critical illness.
  • Know your premiums will never go up and benefits stay level!
  • ROP- Return of Premiums if you do not use the policy! Your auto coverage doesn’t give all your money back if you don’t have a wreck!

Paying the mortgage can really strain the family budget. In fact, it often takes two incomes just to afford the monthly house payment. If you or your spouse passes away, your family could potentially lose the house they have grown to know as home. The loss of one income is typically enough to cause financial stress for a family, often making mortgage payments unaffordable. Relieve families of additional financial stress and grief, when they will already be grieving the loss of a loved one. Mortgage Protection simply means that there will be ample financial resources to ensure your mortgage will not go into default, or your home unwillingly sold or foreclosed if you have an untimely death. Mortgage Protection is the peace of mind knowing that that your family will not lose their home.

Life Insurance

What type is right for you?

  • Level Term
  • Whole Life
  • Universal Life (UL)
  • Guaranteed Universal Life (GUL)
  • Guaranteed Issue Life Insurance

Life Insurance can be made simple. We have coverage that will pay up to $1 Million without the scrutiny of a medical exam! We have many years experience and our licensed agents will guide you to the product that meets your needs and fits your budget! Let us help guide you to the company that is the best fit for your. Just about everyone takes medication these days and many have different medical challenges. Insurance company’s have guidelines that vary between company’s. Some will approve what others will not and some have better rates for certain criteria than others. We understand the life insurance waters and will guide you to the best option for you and your family just like we would do for our own family!