Life Policies
1 / Term Life
Coverage for a particular length of time, typically 10-30 years. Term life offers maximum death benefit for minimum payment for those who have high needs such as mortgage and college tuition.
2 / Whole Life
Coverage for the rest of the life of the insured. Costs are higher due to the longer duration of coverage, so these policies are typically for $10,000-$25,000 and are intended to cover funeral expenses.
3 / Accidental Death
Accidents are the third leading cause of death in the United States. While all of our policies cover accident-related death, an accident-only policy can provide additional coverage at an affordable rate for healthy applicants or an affordable alternative for clients whose health makes full coverage prohibitively expensive.
4 / Indexed Universal Life
Functioning like a cross between a traditional life insurance policy and an investment vehicle such as an IRA, IULs offer both a guaranteed death benefit and a cash value component that can grow based on a stock market index. The death benefit has the potential to grow past the guaranteed minimum, and the accrued cash value can be borrowed from for life needs.
5 / Childrens
We provide coverage to children as young as 14 days. Many of our policies accumulate cash value from which the insured can borrow upon reaching adulthood.
Health Policies
1 / Critical Illness
Critical illness insurance covers you in the event of a future diagnosis with one of a number of named major illnesses, such as heart attack, cancer, or stroke. This type of plan supplements existing health insurance coverage with extra funds that meet the demands that come with critical illness health emergencies and payout upon diagnosis without the need for a death claim.
2 / Disability
Disability insurance provides coverage to replace lost income in the event that you are unable to work due to injury or illness.
Advanced Market Solutions
2 / Infinite Banking Concept
The infinite banking concept is a system whereby one becomes their own banker by growing their cash value inside a properly designed whole life insurance policy while borrowing against it to fund major expenditures, emergencies and outside investment opportunities.
3 / Debt Free Life
For individuals who are paying their bills on time and contribute to a savings or retirement account, Debt Free Life is a modern way to pay off your debt using the cash value of a specialized whole life insurance policy.