Our Services
Insurance
Expert insurance advice available to help you choose the right health, life, and coverage options tailored to your needs
Workshops
Join our financial literacy workshop to gain the knowledge and tools you need to take control of your finances with confidence
Services
Whole Life Insurance
Indexed Universal Life Insurance (IUL)
Insurance: What We Offer
Children's Life Insurance
-
Description: Flexible permanent life insurance tied to stock market indexes (e.g., S&P
500) with downside protection. -
Best for Retirement planning, wealth accumulation, and legacy goals.
-
Features:
-
Adjustable death benefits and premiums
-
Tax-advantaged cash value growth
-
Living benefits available
-
Annuities
-
Immediate- payments within a month.
-
Deferred taxes
-
Deferred Income- start in 13 months.
-
Fixed- a fixed, unchanging level of income to be paid upon the contract’s annuitization
-
Variable- The performance of a variable annuity’s underlying investments determines the
growth of the variable annuity. -
Indexed- minimum guaranteed interest rate, protects the values in
the contract .
-
Description: Whole life or term coverage on children or grandchildren.
-
Best for: Locking in low premiums and early cash value growth.
-
Features:
-
Future insurability guaranteed
-
Cash value for education or emergencies
-
Lifetime protection
-
Term Life Insurance
-
Description: Affordable coverage for a set period (10, 20, or 30 years).
-
Best for: Young families, mortgage protection, income replacement.
-
Features:
-
Low premiums
-
Convertible to permanent coverage
-
Optional riders: child term, waiver of premium
-
Final Expense
-
Probate- fees associated with Probates according to the law; you must have an attorney.
-
Wills- You must go through probate
-
Trust- No 10% liquidation costs. No federal estate taxes, state or income taxes.
-
Safe Money- Focus on the “Why?”
-
Assignment- Who are you leaving your assets to? Do you have a plan in place?
-
Description: Permanent coverage with guaranteed premiums, death benefit, and cash value accumulation.
-
Best for Long-term protection, estate planning, and final expenses.
-
Features:
-
Builds tax-deferred cash value
-
Policy loans available
-
Dividends (from participating carriers)
-
-
Description: Small, permanent life policies designed to cover end-of-life costs.
-
It is best for Seniors and those seeking simple coverage without medical exams.
-
Features:
-
Issue ages up to 85+
-
Simplified or guaranteed approval
-
Quick payout to loved ones
-