We work to protect you, your family, and your assets – We specialize in life insurance & retirement solutions to include policies and plans that offer living benefits such as disability income, critical illness protection, tax-free retirement benefits, and even other living benefits in the form of college savings for children and cash accumulation. Additionally, we help to protect important assets such as retirement income by offering solutions where retirement income can grow risk free to ensure that you do not outlive your retirement funds. Our goal is ensure that you and your loved ones are prepared for the future.

Retirement Income Planning & Protection.

We help our clients move retirement money, like 401(k) and IRA accounts, into protected accounts that can be guaranteed against market-based losses. These accounts are linked to the market for returns and can include guaranteed lifetime income riders. Retirement protection is guaranteed by using products to ensure income for life, regardless of age, thus creating your own personal pension plan.

Indexed Universal Life Insurance (IUL) With Tax-Deferred & Tax-Free Cash Value

The IUL is a life insurance policy that can build significant cash value. The cash value is indexed to the S&P 500 for growth and provides a no-loss provision when the market goes down. If the market goes down, our clients experience no market linked losses. This is a smart option for creating a tax-free retirement income, inclusive with a death benefit. The IUL is also the smartest way to pay off a mortgage early with accumulated cash value. It’s a life insurance policy combined with living benefits and smart financial options that can be utilized for numerous life events.

Critical Illness & Disability Protection

If you were to become ill or disabled, would you be able to maintain your current lifestyle and pay your mortgage and monthly bills?

Critical illness protection (up to age 89) will provide a lump sum up to $100,000 for a diagnosis of cancer, heart attack, stroke, Alzheimer’s, blindness, deafness, kidney failure, major organ transplant, or paralysis. Disability coverage (up to age 61) will provide up to $4,000 per month (from 1 up to 3 years) for a permanent, partial, recurring, or multiple disabilities.

Children’s Smart Start IUL Savings Policies

Smart Start is a great way to begin investing in a child’s future, whether it is for college savings or money for a new home purchased upon graduation. Your child’s financial future is bright with the Smart Start IUL.

Mortgage Protection Life Insurance

Mortgage Protection can be designed to pay off your mortgage or protect home equity in the event of death. Mortgage protection can also be designed to make payments for a critical period of time after a death, illness, or disability.

Final Expense

Final Expense Insurance is a permanent insurance policy that covers the final medical and funeral costs in the event of a death to ensure that the surviving family is not financially burdened.