Get Life Insurance
Life insurance is a simple and affordable way to provide peace of mind for yourself and your loved ones.
… of people who don’t own life insurance say they need it.
… of Americans would face financial hardship within 6 months if the primary wage-earner were to die unexpectedly.
… say they are more likely to buy via simplified underwriting.
Term Life Insurance
Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 30 years. Death benefit will payout if the policy owner passes away within the term of the policy.
- Cost effective option for young growing families or individuals looking for more affordable coverage.
- There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
- We offer “Return of Premium” which returns all contributed premium if the insured outlives the term period.
Indexed Universal Life Insurance
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policy owner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.
Fixed Indexed Annuity
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.
- A type of tax-deferred insurance product.
- Can be structured to provide income for life, acting as another resource for retirement income.
- Provides protection from market decline with a guaranteed floor.
