IUL

 

Index Universal Life Insurance is a flexible premium permanent insurance policy. This type of policy grows a cash value based on interest earned by tracking a market index like the S&P 500. The IUL also offers Living Benefits*   

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• Recommended for children 18 and under

• Recommended for anyone 18+ who is able to properly fund the policy

• Recommended for Business owners (LLC, C-Corp, S-Corp, Sole-Proprietor, etc.)

• Recommended for anyone with a lump sum that could be spread out over several years

• The majority of policies require a 7-15 year funding commitment

 

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Index Annuities

 

Most commonly used to transfer funds from an IRA, 401(k), 403(b) or TSP without paying taxes to remove funds from market risk. Annuities have low to zero fees and offer clients a 0% floor with minimal to no risk* 

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• Recommended for anyone changing jobs, or retiring

• Or anyone with non-qualified funds looking to stay away from the stock market

 

Some Index Annuities offer a lifetime income benefit that guarantees you never outlive your money. 

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Traditional Whole Life Insurance
 

Whole Life Insurance is a permanent cash value Life Insurance Policy. The cash value grows based on a declared annual interest rate and potential earned dividends*

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• Recommended for anyone who needs lower cost permanent Life Insurance 

• Recommended for Business owners (LLC, C-Corp, S-Corp, Sole-Proprietor, etc.)

• Recommended for anyone with a lump sum that could be spread out over 2 years

• The majority of policies require a 2-10 year funding commitment

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Extra Product: Term Insurance

 

Offered in increments of 10, 15, 20, 30 year terms etc. Term insurance can be extremely valuable in protecting your family and your assets.  It can also be referred to as Mortgage Protection or Final Expense. 

 

• Recommended for clients with a new mortgage or young children who are not in a position to pay higher premiums

• The majority of our Term policies are convertible into permanent Life Insurance coverage

• We specialize in Term insurance that offers Living Benefits

 

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What are Living Benefits? 

Features built into the policy should someone become critically, chronically or terminally ill, they can access a portion of the death benefit to offset medical expenses or loss of income. This helps protect your other funds so you do not have to drain them or sell a home or another asset. 
Unfortunately 40% of mortgage defaults are due to unexpected medical expenses. A policy with Living Benefits could help save your family from facing such a serious decision. We aim to get all of our clients into a policy with these valuable benefits.