Juvenile Life Insurance (child)

• Ages 15 days to 17 years
• 10-, 15-, 20-, or 30-years with level premiums
• $5k minimum coverage
• $25k maximum coverage
• Conversion option to permanent coverage
• $500k maximum permanent coverage
• Living benefits

Term Life Insurance

• Ages 18 years to 121 years
• 10-, 15-, 20-, or 30-years with level premiums
• Renewable up to 121 years
• $100k minimum coverage
• $16MM maximum coverage
• Conversion option to permanent coverage
• Child rider
• Living benefits

Universal Life insurance (UL) permanent coverage 

• Flexible premiums
• Builds cash value
• Child rider
• Policy loans
• Living benefits

Indexed Universal Life (IUL): These policies offer cash value with the  growth tied to the market index performance without direct market exposure. Your cash value earns interest based on how a market index (like the S&P 500) performs. If the index goes up, you earn a portion of that growth. If the index goes down, you don’t lose money  because there’s a zero percent floor protecting your principal.

Single Pay Immediate Annuity (SPIA) for people who need income right away, a one-time lump-sum payment is made to the insurance company in exchange for a guaranteed stream of income, typically starting within 30 days. This type of annuity is often used to provide stable income during retirement, for a set period, or joint payments that continue for a surviving spouse.

How to Convert 401k to  Permanent Life insurance

If you are under 59 ½ years old and no longer want to use a 401K to accumulate money for retirement. You can withdraw money from your 401K to purchase a permanent life insurance policy. You will incur a 10% early withdrawal tax  penalty and increase your taxable income for that year. By law the since funds withdrawn are not alllowed to be converted or roll-over. The client must use the funds to first purchase an individual Retirement Account (IRA). Monies deposited into the (IRA) are used to purchase a cash value life insurance policy.

Waiver of Premiums:

Waiver of Charges:

Why Choose Us?

The Financial Strength is solid- A+ rating from A.M. Best 100 + year history indicate they can pay claims long-term.