We specialize in strategic financial planning that is geared to protect the best interest of families. Our life insurance options are tailored specifically to fit the vision of our client’s financial security goals.
Term life insurance is a type of life insurance policy that has a specified end date (e.g., 10, 20, or 30 years) from the start date. There are different types of term polices such as Cash Back or Return of Premium which refunds the premiums you paid into for those who outlive their policy term.
Whole life insurance works as a permanent policy that builds cash value over time. The policy remains active for the entire life of the policy holder, and beneficiaries will receive a set death benefit upon the insured’s death.
Index Universal Life (IUL)
IUL insurance allows the owner to allocate cash value amounts to either a fixed or equity index account. Polices offer a variety of well-known indexes, such as the Nasdaq-100 or the S&P 500. IUL insurance policies offer tax-deferred cash accumulation for retirement while maintaining a death benefit. People who need permanent life insurance protection but wish to take advantage of possible cash accumulation as an equity index, may choose this option.
The Flexmethod Life Insurance
The flexmethod option is an asset-based lending strategy that seeks to generate cash flow by borrowing against the value of an eligible life insurance policy. The flexmethod provides personalized financial strategies that combine strong performance, stability, and maximum flexibility designed to meet your needs. The cash value in your policy grows at a predictable and safe rate that is high enough to be able to pay back the bank (with interest) while putting money in your pocket. The flexmethod is designed to support your income needs as you age and is expected to produce unmatched passive income to boost your retirement plan or lifestyle desires. It is uniquely positioned to provide financial growth and stability. It considers your life’s financial needs while providing for your family in the event of the unexpected.
Hospital Indemnity Insurance
Hospital indemnity insurance supplements your existing health insurance coverage by helping pay expenses for hospital stays. Depending on the plan, hospital indemnity insurance gives you cash payments to help you pay for the added expenses that may come while you recover. Typical plans pay based on the number of days of hospitalization. Although your medical insurance may cover most of your hospitalization, in conjunction you can receive payments from your hospital indemnity insurance plan for extra expenses while recovering.