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LIFE INSURANCE

Life Insurance & Financial Products

Our mission is to offer individuals, families and businesses a lifetime strategy to reach their financial goals. We have partnered with a team of financial planners that have more than five decades in the financial services field.  When it comes to protecting your loved ones, your business, and your retirement income, there is little room for error.  We’ve reviewed many, many portfolios that have not been properly implemented or updated, resulting in a potential significant loss of principal and/or income.

Every client is unique and has individual needs.  You may need a simple term life policy, or maybe a full retirement action plan.  Either way, we’re here to help you find solutions to these problems, and we will work with you to ensure that you stay on track going forward!

 

FINAL EXPENSE LIFE INSURANCE:

While most people don’t like to talk about end-of-life issues, it is critical to plan for them. Final expense life insurance is designed to cover the bills that your loved ones will face after your death. These costs will include unpaid medical bills and funeral expenses. Final expense insurance is also known as burial insurance. Unfortunately, even bare-bones funerals can cost thousands of dollars. 
Final expense life insurance can help protect your loved ones from this significant financial burden.In 2018, the average funeral averages $7,000 to $10,000. In most cases, a basic funeral service will include a memorial, death certificates for the deceased, and housing the remains. In addition to those costs, there are also charges involved for goods and services, such as transportation, preparation and embalming, use of the funeral home, a casket and headstone, a burial plot, grave site, the burial service or alternatively, cremation. There may also be additional costs, such as flowers and the printing of memorial cards.

 

TERM LIFE INSURANCE:

These policies will provide you with the largest death benefit for each premium dollar.  The cost of insurance usually remains fixed through the course of the policy.  The plan pays the death benefit to the beneficiary, tax-free, if the insured dies while the policy is in-force.  Policy periods are usually 10, 15, 20, or 30 years, or to a particular age.  This is a great tool for young families to protect future income bearing years at a low fixed cost for those that are fortunate enough to be healthy.

 

WHOLE LIFE INSURANCE:

These plans do not expire like term life products and often combine a death benefit with an investment component included.  These plans accumulate a cash value that the owner can borrow or withdraw from over time.  Additionally, the investment portion grows in a tax-deferred environment.  So, you have a death benefit and an investment tool in one solid financial product that is guaranteed.

Many Whole Life and Term Policies are equipped with Long-Term Care and Critical Illness riders that can allow YOU to access to a large portion of the DEATH BENEFIT in the event of a long-term healthcare issue or a terminal illness diagnosis.

 

ANNUITIES:

These plans are superb tools for saving for your retirement years, or to rollover your existing IRA or 401k.  Annuities can be funded in a number of ways that include ongoing payments into the fund or a one-time investment such as a rollover or CD investment.  The money will grow tax-deferred until you reach retirement age, and at that time, the annuity will pay you monthly lifetime installments to supplement your retirement income.  These plans can be designed to compliment any investment strategy and to fit your individual needs.

Some annuities are equipped with Long-Term Care and Critical Illness riders that can allow you penalty free access in the event of a long-term healthcare issue or terminal illness diagnosis.

 

LONG TERM CARE:

This insurance product is designed to assist with the cost of medical and non-medical needs for those that are unable to perform basic daily activities of daily living. Assisted living centers, home health care and other long-term care facilities have seen exponential increases in the cost of care. Costs can average $4,000 to $10,000 or more PER MONTH! Needing ongoing care in an assisted living center or at home can be a huge financial burden on any family’s savings and can deplete a retirement fund quickly and harshly.  More than half of U.S citizens are expected to need some Long Term Care during their lifetime. Are you prepared?