Cash Accumulation Life Insurance can be a Powerful Financial Engine that can protect and secure you financially.
What Makes Us Different?
Our Special Plan Designs, and our Premium Financing, Kai-Zen, Tri-Zen, are what set us apart.
Leverage Your Benefits
How it Works
Types of Life Insurance
Indexed Life INSURANCE
Ideal for those who need Smart Protections with Living Benefits but are focused on Cash Value Accumulation for lifetime needs, such as buying a home, buying a business, or for supplementing retirement income.

Indexed Life is the most flexible type of insurance. Also known as Cash Value Insurance thanks to its Cash Accumulation Benefits:

  • Cash value grows based on Market Index.
  • No risk of losses due to market declines
  • Cash growth is tax deferred
  • Ability to access cash value tax free
  • Flexible premium
  • Ability to leverage your contributions 3 to 1 to enhance your benefits: Kai-Zen.

​Indexed Life insurance also has Living Benefits that provide cash in the event of:

  • Critical illness  (Cancer, Heart Attack, Stroke, etc.)
  • Critical injury  (Coma, Brain Injury, Paralysis, Burns)
  • Chronic illness (assistance with daily living, bathing, eating, dressing, transferring, etc.
  • Terminal illness  (illness where death is expected within 12-24 months
ANNUITIES
How do fixed index annuities work?

​Fixed index annuities provide the guarantees of fixed annuities, combined with the opportunity to earn interest based on changes in an external market index. But because you're not actually participating in the market, the money in your annuity (your "principal") is not at risk.

Fixed index annuities can offer:
  • Principal protection from market downturns
  • Tax-deferred growth potential
  • One or more index allocation options
  • A choice of crediting methods
  • Income options, including income for life
  • Death benefit options
TERM LIFE INSURANCE
Ideal for those who have budget limitations, large protection needs, or temporary needs. It’s great for Income Protection, Mortgage Protection, etc.

OFFERS:
  • Guaranteed death benefit for a fixed period
  • Fixed premium
  • Coverage is for a certain period of time (term)

Term insurance also has Living Benefits that provide Cash in the event of:

  • Critical illness  (Cancer, Heart Attack, Stroke, etc.)
  • Critical injury  (Coma, Brain Injury, Paralysis, Burns)
  • Chronic illness (assistance with daily living, bathing, eating, dressing, transferring, etc.
  • Terminal illness  (illness where death is expected within 12-24 months​​​
UNIVERSAL LIFE INSURANCE
Ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits.
Increasing the death benefit may be subject to additional underwriting approval.

​OFFERS:
  • Flexible death benefit
  • Flexible premium
  • Policy cash values are credited a current interest rate that is set by the insurance company, which is subject to change, but will never be lower than a guaranteed minimum interest rate.
WHOLE LIFE INSURANCE
These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.
​
OFFERS:
  • Guaranteed death benefit
  • Guaranteed cash value
  • Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.
  • Level premiums that are guaranteed to never change.
Important Highlights
HIGHLIGHT #1
​Indexed Universal Life Insurance, also known as Cash Accumulation Life Insurance, is the most flexible type of insurance.
HIGHLIGHT #2
Cash Accumulation Life Insurance can be a Powerful Financial Engine through Smart Cash Accumulation Plans and Smart Protections with Living Benefits.
HIGHLIGHT #3
We combine Cash Accumulation Life Insurance with Premium Financing to enhance our client's benefits.
SECURE THE LIFESTYLE YOU WANT