Our Services

Mortgage Protection is a simplified, quick issue insurance policy that is used to protect your greatest asset. These Living Benefits Life Insurance plans are designed to provide a death benefit to pay off all or a portion of your mortgage. Optional riders are available in most states, such as disability income and return of premium, which refunds all, or part of, the premium paid if the policy is not used. This product, offered by many of our carriers, can be customized to fit your individual needs and budget. 

One of the biggest concerns related to new generations of people is the rapidly rising cost of a college education and living expenses. More young people are seeking a higher education today than any other previous generation. Unfortunately, with the rising costs associated with that education, they’re being forced to pay with borrowed money. We view it as incredibly critical that our clients, their families, and the future generations of the world are educated on the many college funding options available today. Our financial literacy experts are here to assist clients on these options to ensure their financial futures are bright and unencumbered by student loan debt. 

Indexed universal life is a permanent life insurance policy that ties a portion of your premiums to stock market indexes like the S&P 500 and provides the opportunity for tax-advantaged growth through a typical 'participation rate' of up to 7-9% annually. The best part? If the market takes a downturn, you wouldn't lose money as the guaranteed floor is often 0%. It may sound too good to be true but savvy investors have been using this investment vehicle for decades. You can spend the money from your cash-value on whatever you need and still have a death benefit from your active policy that protects your beneficiaries when you pass. This type of policy provides a best-of-both-worlds experience where your loved ones are covered in the future while you can build wealth today for a future of your own. 

An annuity can be used to save for retirement, preserve funds already saved for retirement and to provide a steady stream of income during retirement. They have become a very popular choice for retirement planning, especially with the stock market volatility over the last decade. 

Annuities are financial contracts between an insurance company and contract owners. Payments into an annuity can be made via a lump sum, or a series of monthly payments to the insurance company. These funds will accumulate on a tax-deferred basis, which can be a tremendous advantage over time. Fixed Index Annuities provide an opportunity for growth without the risk involved with most investments. This is especially attractive to pre-retirees and retirees looking to preserve assets they have built over several decades. Many annuities offer the ability to add optional benefits such as a lifetime income rider, which gives clients a guaranteed income no matter how long they live.