Life & Disability Insurance
Safeguard your family's dreams.
Explore our life insurance options to ensure a lifetime of financial security.
Secure Tomorrow
Life Insurance solutions
Secure your future and protect your loved ones with our comprehensive life insurance products. Take the first step towards financial peace of mind today!
With a guaranteed income tax-free death benefit, term insurance can simplify the protection of what matters most to your clients for a specific period.
Whether your client recently married, purchased a home, had a baby, or needs additional coverage until the kids graduate college, pay taxes, or settle the mortgage, term life insurance is an excellent choice.
We have access to products offering a range of 10, 15, 20, 25, and 30 years.
Permanent life insurance product with a guaranteed face amount. Premiums can be paid until the insured reaches age 100, or there is an alternative option to pay premiums for a specific period, such as 10 years, 12 years, 15 years, 20 years, or until age 65.
- This policy guarantees cash value accumulation and the potential for the payment of dividends.
- The cash value is protected from creditors.
- Offers tax-deferred growth.
- Provides supplemental retirement income with guaranteed cash value.
- Long-term care rider available.
Indexed Universal Life Insurance (IUL) is a form of permanent life insurance that provides clients with financial protection and growth opportunities linked to the performance of market indices.
- Cash value accumulation potential through indexed accounts tied to, but not directly invested in, a market index, such as the S&P 500 Index.
- Available downside protection to help shield your clients from market losses.
- Optional policy enhancements that can provide additional protection, including long-term care coverage.
- Flexible premiums are among the most important and beneficial features valued by clients.
Shield Against Life's Uncertainties
Disability Income Portfolio
Explore peace of mind with our Disability Income Portfolio — a tailored solution to safeguard your financial stability during unforeseen challenges. Secure your income, protect your future. Protect the most important asset in your home and business. It’s you.
- Designed to replace a portion of your income if you cannot work due to a severe illness or injury.
- Anyone reliant on their income is a potential prospect for DI products.
- Non-cancelable until age 65.
- Coverage for total or partial disability.
- Pays short-term or long-term benefits up to age 70.
- Definition with Own Occupation.
- Waiting periods can only begin after 60 days.
- Could cover your payments to the Retirement Plan.
- Offers COLA benefits.
The policy’s purpose is to reimburse business owners for overhead expenses while disabled, ensuring the continued operation of the business.
Disability Buy-Sell/Buy-Out is designed for small business owners, providing funds to purchase the insured’s share of ownership in the business in the event of disability.
Discover the path to lasting peace of mind.
Act now for a lifetime of calm amidst life's uncertainties.
Empower your child's future!
We can help you find the best college savings plan for your family's needs.
Use Life Insurance to Fund Your Child’s Education
College Fund
We help you plan for the high costs of your children’s education. Don’t make the classic mistake of using your retirement savings for your children’s education and avoid taking out large student loans. There are ways you can mitigate these expenses to ensure a good education.
Permanent Life Insurance for College Savings A permanent life insurance policy is incredibly flexible compared to other policies. The death benefit is designed to provide coverage for your entire life—rather than a typical term policy that only provides coverage for a set number of years. The policy also has a savings or investment account that builds cash value over time. Every premium payment you make goes toward the death benefit and the policy’s cash value account. You can then withdraw from the account or take out a tax-free loan against the account when it’s time for your child to attend college.
Other alternatives could be:
- IRA accounts
- 529 plans
- Traditional savings accounts
care solutions for peace of mind
Long-term Care
Access financial assistance when individuals need help with at least two of the six activities of daily living (ADLs), including bathing, continence, using the toilet, transferring to/from a bed or chair, dressing, and eating. This need arises due to chronic illness, any fatal accident, disability, or cognitive impairment, and support may become essential as individuals age or face a severe medical condition.
The Long-Term Care Rider (LTCR) allows the policy owner to accelerate the payment of a portion of the policy death benefit to cover long-term care services the insured receives or duplicate your life insurance benefit for exclusive use in Long-Term care.
- A guaranteed pool of long-term care benefits.
- A guaranteed death benefit.
- A guaranteed Policy Surrender Value that increases over time.
Our clients require a comprehensive strategy that covers the cost of care services and helps prepare their loved ones for the challenging financial, emotional, and administrative decisions they may need to make on their behalf.
Designing future care.
Our firm can design strategies to help clients prepare for their future long-term care needs.
As a society, we will face unprecedented challenges with alarming demographic statistics, leading to a high percentage of citizens over the age of 67 approximately in the next 18 to 20 years. The cost of long-term care at home is unsustainable and could worsen. Every individual should consider this insurance program in their portfolio. Considered today as one of the most important insurances to safeguard your assets and maintain quality of life in the future.
Shape your retirement dreams into reality!
Act now and embark on a journey towards a worry-free retirement.
Guarantee your financial future
Annuities
Offering guaranteed growth and protection from loss simultaneously, fixed annuities provide a secure stream of income for a specified period or the rest of the annuitant’s life. These financial products come with a fixed interest rate, ensuring that earnings on the investment are set at a predetermined rate for the entire duration of the contract.
Need to keep their future income growing while seeking more security than the market can provide? We offer more growth potential with the comfort of knowing they are protected from market loss with a fixed-indexed annuity. Flexible premium contracts allow clients to keep adding flexible payments to their accounts.
In any annuity, it’s important that you are aware of surrender charges, contract years, and how contributions on your earnings will be made. Consult with us!
IRAs
Traditional Individual Retirement Accounts
These offer tax advantages by allowing tax-deductible contributions and reducing your taxable income in the contribution year. Earnings within the IRA can grow tax-deferred until withdrawal.
- Fixed IRA
- Index Deferred IRA
Ready to take control of your retirement savings?
Tax advantages to individuals who are planning for their retirement.
Shield your future with our Cancer Insurance Policy.
Don't wait for uncertainties take control now.
Protecting You Against the Unexpected
Cancer Insurance Policy
Cancer insurance provides benefits only if you are diagnosed with cancer, as defined by the policy contract terms. These policies offer limited benefits for the diagnosis and treatment of cancer. Cancer insurance is a type of supplemental insurance designed to manage risks associated with cancer. It helps mitigate cancer treatment costs and provides policyholders with financial support. It is crucial to plan for health-related contingencies like cancer to reduce stress on your finances. Cancer insurance can be acquired for an individual as well as for all family members.
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