No one was aware that 2020 would bring about the coronavirus disease (COVID-19). It was such a surprise. Not only are we dealing with a health phenomenon, but many are reluctantly sitting at home because of shutdowns and lock-downs , with loss of income for an indefinite period of time. No one knows if or when our economy will be able to rebound.

We stand ready to show you how to protect your income and your family !

Life Insurance Financial Experts

mission is to help each individual and family plan for life events such as children, marriage, purchase of a home, college, debt, retirement, taxes, illness, injury, death.

Any of these occurrences could devastate your finances. Our goal is to make you financially prepared for these events which can affect your lifestyle and quality of life.

Ask about our 14% bonus on our IRA.

Are you 100% sure you are going to have a great retirement or do you have any doubt?

Ask about our lifetime income.

Learn about our products and services.

Mortgage PROTECTION

IRA

ACCIDENTAL DEATH

As a homeowner, being able to pay your mortgage on time every month is important. What would happen to your loved ones if you were to die prematurely, become disabled or critically ill, and your income suddenly disappeared? Would they be able to pay off the mortgage without difficulty and stay in their home? If your answer to that question is “No” or “I'm not sure”, you owe it to yourself and to your family to consider purchasing mortgage protection insurance.

An IRA is a stand -alone tax deferred account that enables you to save money for retirement. It can also act as an investment account that gives you a place in which to roll over any employer- sponsored retirement plan assets like from a 401(K) when changing jobs or retiring. Many people open IRAs in addition to any employer-sponsored retirement plans they might have to save for their futures

Policies are guaranteed issue meaning you cannot be turned down as long as you qualify based on your current age. This policy issues from 18 to 70 with guaranteed renewal and coverage to age 80. Benefit amounts go up to as high as 500,000 with family coverage available.

Life Insurance

WHOLE

These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.

Guarantees death benefit
Guaranteed cash value
Potential additional cash value by the receipt of any dividends declared by the company.
Although not guaranteed, dividend payments are generally declared annually by the company.
Level premiums that are guaranteed to never change.

UNIVERSAL

May be ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional credits.

Increasing the death benefit may be subject to additional underwriting approval.

Flexible death benefit
Flexible premium
Policy cash values are credited a current interest rate that is set by the insurance company, which is subject to change, but will never be lower than a guaranteed minimum interest rate.

INDEXED UNIVERSAL

May be ideal for those who need death benefit protection but are focused on cash accumulation for lifetime needs such as supplementing retirement income.

Increasing the death benefit may be subject to additional underwriting approval.

Flexible death benefit
Flexible premium
Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.
Downside protection through minimum guarantees ensure that your cash value will not decline due to decreases in the index.

TERM

May make sense for those who have a budget limitation, large protection needs or temporary need.

Guaranteed death benefit for a fixed period
Fixed premium
No cash value
Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of insured
Initial premiums tend to be lower but will eventually increase.

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Phone: 443-518-0221