Life Insurance
Term Life Policies - A policy that has a level premium for a specific period of time. At the end of the period of time, the coverage either ends or can be continued at a premium that increases annually with age.
Whole Life Policies - A policy that provides a guaranteed death benefit and cash value for a guaranteed premium. You pay premiums for your whole life until death occurs. Some policies pay dividends that can be taken as cash or used to purchase additional life insurance or reduce future premiums. These policies are usually more expensive than universal life and term life.
Universal Life Policies - A flexible premium life insurance policy that you can structure to meet your individual needs. You can change or vary what you pay in premiums as long as you pay enough or there are sufficient policy values to cover the monthly charges that keep the life insurance policy in effect. Many policies offer death benefit options, such as death benefits that increase every year or the ability to reduce the amount of death benefit in the future if needs change.
Some of our products now offer traditional life insurance with riders for long term care, critical illness, and investment options.
Annuities
What is an Annuity?
An annuity contract involves one or more people and an insurance company. The universal common feature of annuity contracts is the option of the holder or holders to receive assured lifelong income in the form of regular payments from the insurance company. The source of these payments is investments made by the holder(s), either in a lump sum or in a series of contributions to the insurance company. The investment proceeds grow tax-deferred prior to disbursal. When the proceeds are distributed to the holder, investment gains are taxed as ordinary income.
WE WORK WITH TOP COMPANIES IN THE INDUSTRY
Genworth Financial
ING
Liberty Bankers Life
National Guardian Life
TransAmerica
Minessota Life
Banner Life
American General
Aviva Life
Lincoln Benefit Life
Prudential
Fidelity Life
Assurity
Mutual of Omaha
Protective
And many other great companies!
