Buying a home may be the largest purchase you’ll ever make. If you have a mortgage, it’s important to have financial safeguards in place so your family can afford to stay in your home in the event of your death. Mortgage protection is a simplified, quick issue insurance that is used to protect your family's greatest asset. Mortgage protection plans are designed to provide a death benefit to pay off all, or a portion of your mortgage. This form of protection relieves the worry that your loved ones will lose the house they call home.

The loss of a loved one in death is an emotionally and financially difficult experience. Final expense plans are designed to remove, or offset, the financial stress that is associated with death. The cash payout can be used to pay for things like burial or cremation, medical bills, personal bills, leave a gift to a loved one or favorite charity.

Whole life insurance helps your family prepare for the unexpected. The death benefit can help replace a family's loss of income, help with mortgage costs, or educational needs — or to leave a legacy for the next generation. Over time, whole life policies build cash value that grows tax-deferred, and can be accessed during your lifetime. Whole life insurance policies offer level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force. We offer Whole Life policies that can be paid with a single premium, premiums payable to 100, or premiums payable up to a limited number of years.

Term Life Insurance- If you want to leave your family with enough money to pay off the mortgage, cover living expenses, and help you kids with their education. Term Life is typically more affordable and offers additional flexibility than other types of Life Insurance. With Term Life, your family decides how the money they receive is used. You select the amount of money your family may need and a payment that best fits your budget. You also select the number of years (term length) you want the policy to last. By insuring your own life, you help ensure your family will be able to live the life you imagined.

Critical illness insurance is medical insurance that provides a lump-sum benefit upon diagnosis of a covered critical illness or condition. This payout helps our clients avoid the financial burden that can be created by those illnesses. Our clients have found this benefit payout useful for getting the treatment they want, spending time with their family and friends, keeping their home, and filling in the financial gaps left by most medical insurances. Individuals must qualify for critical illness coverage which is dependent on a number of factors including, current health and medical history, age, and occupation.

Indexed Universal Life insurance (“IUL”) is the fastest growing type of life insurance in the industry today. IUL is a form of permanent life insurance that provides a death benefit – a valuable resource for family members, business associates or other beneficiaries if a policy holder should die prematurely. The death benefit is generally paid income tax free to beneficiaries — a benefit only available on life insurance. This flexible form of life insurance allows our clients to choose the coverage amount based on the premium they prefer to pay and it also allows them to make changes to it as their needs change. IUL policies can build cash value over time to help provide funds for emergencies, education expenses, supplement retirement income or just to grow assets on a tax-deferred basis. The interest credits to the cash value are linked to the performance of stock market indexes, but are not a direct investment in equities, so the cash value is protected from market loss, providing more protection for the insured. Properly structured policies can provide tax-free retirement income …. and we can show you how!An annuity can be used to save for retirement, preserve funds already saved for retirement and to provide a steady stream of income during retirement. They have become a very popular choice for retirement planning, especially with the stock market volatility over the last decade.

Annuities are financial contracts between an insurance company and contract owners. Payments into an annuity can be made via a lump sum, or a series of monthly payments to the insurance company. These funds will accumulate on a tax-deferred basis, which can be a tremendous advantage over time. Fixed Index Annuities provide an opportunity for growth without the risk involved with most investments. This is especially attractive to pre-retirees and retirees looking to preserve assets they have built over several decades. Many annuities offer the ability to add optional benefits such as a life-time income rider, which gives clients a guaranteed income no matter how long they live.