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

Guaranteed Universal Life insurance (UL)

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

Indexed Universal Life Insurance (IUL)

These policies offer cash value with growth tied to the market index performance without direct market exposure. Your cash value earns interest based o 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. These policies offer living benefits, build collateral, cash value and retirement savings.

Single Premium Immediate Annuity (SPIA)

A single premium immediate annuity (SPIA) is an insurance product that provides guaranteed income shortly after a one-time-lump-sum payment, typically within a month. It's designed to offer steady income for life or a set period with payments beginning almost immediately after purchase.

Converting 401k to (permanent) Whole Life Insurance

You can convert your 401k to a whole life insurance policy but not directly, You will need to withdraw the funds, pay taxes on the amount withdrawn from the 401k and then use the remaining balance to purchase the insurance policy. The process moves your money from a tax deferred account to a tax-free asset. 

If you are under 59 1/2 years old, you will incur a 10% early withdrawal tax and increase your taxable income for that year.

Waiver of Premium

A waiver of premium rider is an optional feature that can be added to your life insurance policy. It allows the insurer to cover your premium payments if you become disabled and unable to work due to illness or injury.

Waiver of Charges

Surrender charge waiver is a provision that allows the policyholder to withdraw or surrender a portion or entirety of the policy's cash value without incurring the usual

administrative fees.

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