Our Services

Term Life Insurance

Term life insurance is considered the most affordable type of life insurance coverage and is set for a fixed period of time. You choose, anywhere from 10 to 30 years, depending on a couple factors. These policies are a fixed premium with a fixed death benefit. Many term life plans can be purchased without the need for a physical exam. We offer several term life options so that the coverage you select best matches your needs. 

Permanent / Whole Life Insurance

Whole life insurance also known as permanent life insurance is a policy that will last a lifetime, as long as the premiums are paid. With a Whole life policy, not only are you securing a death benefit, but contributing to a cash accumulation that can be used to serve as an emergency fund. This policy offers a fixed premium with a fixed death benefit.   

Index Universal Life Insurance

This offers tax-deferred cash accumulation for retirement while maintaining a death benefit.  Why borrow money from a bank when you can borrow from your policy and pay yourself back?  Infinite banking through a life insurance policy is a smart investing method.

IULs allow cash value within the policy to grow tax free. IULs are funded with post-tax dollars, allowing clients to withdraw money tax free at any age, and create tax-free (off tax return) income at a future date. In addition, when compared to an IRA or 401(k), IULs provide much more flexibility.