Term Life ~ Cash Value Whole Life Universal Life ~ Indexed Universal Life

When surveyed, the majority of people either don’t have, or don’t have enough Life Insurance and would like to own more of it.

Term Life

Excellent solution for short term needs, say 5 yr, 10yr, 15yr, 20yr. Premium stays level for the Term of the policy. Low premium with zero return.

Cash Value Whole Life

Death Benefit “When” you die not “If” you die. Paid to your beneficiary Tax Free. Dividend paying cash value accumulation with Liquidity, Use, and Control. Insurance company assumes all the risk.

Universal Life

Annual Renewable Term, with interest bearing side account, to help offset premium as you become older. Interest rates vary. Generally high fees and poor performance during low interest rate environments.

Indexed Universal Life

Annual Renewable Term, with interest bearing side account, to help offset premium as you become older. Interest rate is tied to a stock index such as the S&P, generally includes caps, guaranteed to never lose money. High fees and you assume all the risk.

Variable Universal Life

Annual Renewable Term, with interest bearing side account, to help offset premium as you become older. Interest rate is tied to a stock index such as the S&P. High volatility, high fees, you assume all the risk.

We write a lot of Term Life for our clients when it makes sense.

We also have a little-known proven strategy, that super-charges a basic Cash Value Whole Life policy, turning it into an investment grade asset! This strategy has ALL of the attributes of a perfect investment.

Yes it's proven, and there are only 200 of us Professionals in the industry trained and offering this strategy.

“If you need shade to cool your house, when's the best time to plant a tree? Twenty years ago perhaps? When is the next best time? Today!

How is a dividend paying Cash Value Whole Life Insurance policy similar to a tree? The day you plant a tree it isn’t providing shade just yet. But every year that it grows, it adds a ring, and take note of the rings compounding in size. Cash Value Whole Life Insurance is similar in that every year the “compounding” growth of the cash value grows uninterrupted and grows exponentially by being tax deferred and ultimately tax free. You can tell the age of a tree by counting the number of rings of the trunk. The more rings, the bigger it gets.

Trees emit oxygen which breathes life to our earth. Trees provide shade on hot sunny days. Trees provide homes to animals and often a playground for kids. But it requires patience when you plant a tree, much like your very own cash value life insurance policy.

What is your most valuable asset?

Your HOME valued at say $500,000? Indeed it's an asset but it's not an income producing asset.

Your 401K with a balance of say $500,000? Can you show me your after-tax 401k statement? Of course not because we won't know what portion of your 401k will go to Uncle Sam until we know your future tax rate. Wait, What? Doesn't that a bit scary?

Let's say you’re earning $100k per year, your paychecks total $75k after taxes.

If you get sick or hurt at age 36 and cannot work, multiply $75,000 x 30 years till your retirement age of 66 = $2,250,000. Does this number resemble the value of your House? Your 401k?

We insure our home valued at $500k. We insure our car valued at $50k. Is your paycheck insured? You're an income producing asset that deserves to be adequately insured!

A Disability Income policy can solve the problem of protecting your most valuable asset. YOU!

Are you ready to insure your most valuable asset…..Your Income?

Need Life Insurance to protect your family?

Cash Value Whole Life Insurance pays a tax free death benefit “when” you die not “If” you die. Access your cash values during your lifetime to purchase a car, take a vacation, pay for college, cover Long Term Care expenses, the possibilities are endless! Unlimited deposits, compound growth tax deferred, tax free income for life, and tax free death benefit to your heirs.