We specialize in using Indexed Universal Life Insurance as a Financial Engine through Smart Cash Accumulation Plans and Smart Protections with Living Benefits. Whether you are planning just for you, your family, or for your business, we have a variety of financial solutions to help you meet your financial goals.
Our Special Plan Designs, and our Premium Financing, Kai-Zen, Tri-Zen, are what set us apart. To learn more contact us.
HIGHLIGHTS
- Indexed Universal Life insurance, also known as Cash Value insurance, is the most flexible type of insurance
- We specialize in using Indexed Universal Life Insurance as a Financial Engine
- We combine Indexed Life Insurance with Premium Financing, Kai-Zen, Tri-Zen, to enhance your benefits
- Our Special Plan Designs, and our Premium Financing, are what set us apart.
Types of 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 Value Accumulation Benefits:
Indexed Life insurance also has Living Benefits that provide cash in the event of:
Indexed Life is the most flexible type of insurance. Also known as Cash Value Insurance thanks to its Cash Value 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 with Kai-Zen to enhance your benefits
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:
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
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Ideal for those who have budget limitations, large protection needs, or temporary needs. It’s great for Income Protection, Mortgage Protection, etc.
OFFERS:
Term insurance also has Living Benefits that provide Cash in the event of:
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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
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
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.
