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Resources

The purpose of these resources is to provide education regarding life insurance products.

These assist in identifying what types of plans are best for your needs, while helping

you decide how much coverage is needed for you and your family's financial security.

*all plans are based on age and health

home keys

Term Coverage

Mortgage Protection

  • Term policies ages 18 - 75.

  • Cover the entire mortgage, half, or a few years of payments.

  • Use as income replacement (7-10 times income)

  • Coverage from 10 years - 30 years            (depends on age)

  • Coverage begins at $25,000.

  • Health qualifications.

  • Level premium and level death benefits. 

Mother and Child

Whole Life Coverage

Child Policy

  • Whole Life policies for ages 0 -17.

  • Accumulates cash value.

  • Coverage begins at $5,000.

  • Options to increase coverage as one ages at certain life milestones.

  • Guaranteed insurability.

  • Health qualifications.

  • Paid up options.

Signing a Contract

Permanent Coverage

Indexed Universal Life (IUL)

  • Permanent policies Ages 0 - 85.

  • Accumulates cash value.

  • Supplement retirement - tax free.

  • For a child, they can supplement college cost, home purchase, retirement.

  • Coverage begins at $25,000.

  • Health qualifications.

  • Flexible premiums.

  • Business: key employee retention plans.

Financial Report

Annuity

Fixed or Indexed

  • Financial product Age 0-85.

  • Fixed Annuity or MYGA - Multiyear Guaranteed Annuities offer a guaranteed fixed interest rate for a period  of time. 

  • Fixed Indexed Annuity or FIAs provide a safe way to participate in market gains,  avoiding potential loses. 

  • Normally lump sum deposits, such as 401K transfers, inheritance funds, profits from sale of home or business.

  • No medical requirements, does require financial suitability.

Grandma and Grandchild in Embrace

Whole Life Coverage

Final Expense

  • Whole Life policies for ages 40 - 89.

  • Accumulates cash value.

  • Supplement or cover funeral expenses, end of life expenses, or leave family legacy.

  • Range in coverage from $2,000 to $50,000   (depends on age)

  • SSI Direct Express payment options, no bank account needed.

  • Health qualifications.

  • Level premium and level death benefit. 

ATM

Participating Whole Life Coverage

Infinite Banking (IBC)

  • Banking concept age 18 - 65.

  • Accumulates cash value.

  • Distributes dividends that allows you to borrow from yourself rather than a bank.

  • Access to cash - debt elimination. Create a debt reduction plan. 

  • Assured growth - guarantees and dividends.

  • Health qualifications.

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