We offer and array of financial services to our customers
Term life insurance
Term life insurance provides coverage for a predetermined amount of time, typically between 1-35 years. Death benefit will payout if the policy owner passes away within the term of the policy.
Return of Premium (ROP)
We offer a compelling Return of Premium (ROP) term insurance policy, which returns, all contributed premiums if the insured outlives the term period.
Indexed Universal Life (IUL)
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.
Today, the majority of the burden for retirement income seems to have shifted to the individual. For this reason, you may want to consider a guaranteed* fixed income component to your retirement strategy. In short, adding an annuity may be an opportunity to help ensure a portion of your retirement income will be guaranteed. An annuity is a contract you purchase from an insurance company. For the premium you pay, you receive certain fixed and/or variable interest crediting options able to compound tax deferred until withdrawn. When you are ready to receive income distributions, this vehicle offers a variety of guaranteed payout options. Most annuities have provisions that allow you to withdraw a percentage of the value of the contract each year up to a certain limit. Excess withdrawals above the restricted limit typically incur “surrender charges” within the first five to 15 years of the contract. Because they are designed as a long-term retirement income vehicle, annuity withdrawals made before age 59½ are subject to a 10 percent penalty fee, and all withdrawals may be subject to income taxes.
We will show you how to use our cash flow strategy to save years off your mortgage so that you pay your mortgage down in 7-10 years. This is a true money saver! WE PROMISE, you will be amazed. It just requires very little investment to set it up and you will save thousands and thousands of dollars.