Life insurance :

FOR THE THINGS YOU DON'T SEE COMING

Do you have the new life insurance?

LIVING BENEFITS

LIVING BENEFITS

The new life insurance allows you to use the death benefit while you are alive. In the event of a significant illness or long-term care event, you can access the death benefit for your needs. This benefit is added at no additional cost on many of our policies.

TAX-FREE RETIRMENT

TAX-FREE RETIREMENT

You've heard of a Roth IRA or Roth 401K. These give you tax-free income in retirement because you pay taxes on the money you save. Life insurance can do the same thing thanks to tax code 7702. There are no contribution limits, no income limits, no access limitations, and no market risk. The result: 60% to 80% more income in retirement and saving hundreds of thousands of dollars in taxes in retirement.

TYPES OF LIFE INSURANCE

TERM LIFE

The least expensive kind of life insurance that you buy for a specific period of time. 

Generally in term periods of 10, 15, 20, or 30-year term lengths.

Not all term is created equal. Make sure you ask about living benefits and conversion privledges.

FINAL EXPENSE

These plans are permanent policies. Generally called whole life policies. 

These are for the purpose of paying for final arrangements.

They range in coverage amounts from a few thousand up to $25K or more. They are easy to qualify for regardless of health.

ASSET-BASED

These types of permanent policies are either whole life or a type of universal life plan.

They provide death benefit protection and cash value accumulation.

The cash value can be used to pay for college, supplement retirement income, or even act as your own bank.

Reasons you may need life insurance...

Final Expenses
Income Replacement
Mortgage Pay Off
College Funding
Debt Repayment
Obtaining a Loan
Tax Mitigation
Estate Planning
Business Continuation
Tax-Free Retirement
Child Care & Home Care
Long Term Care
Domestic CEOs
LEARN MORE