With a term life insurance policy you can provide your family with the financial support they would need if you were to pass away unexpectedly. Our term life insurance comes in coverage periods, or “terms”, ranging from 10 to 30 years. This allows you to match the length of coverage you need with different life stages – such as covering a mortgage, getting children through college, or replacing income during prime earning years.

Term life insurance is one of the most cost-effective life insurance options, with guaranteed premiums during the coverage term. Because it offers pure protection without investment components, term life premiums are often significantly lower than permanent life insurance for equivalent coverage amounts. This makes term life very budget-friendly for most households.

When your term length ends, you have the option to renew your policy for an additional term, regardless of any changes in health or other circumstances. Renewal premiums increase with age, as the risk of death rises as we get older. But guaranteed renewability is a key benefit of term insurance, providing ongoing coverage options throughout different stages of adulthood.

Indexed Universal Life insurance (IUL) provides lifetime coverage along with the potential to build long-term cash value. As a type of permanent life insurance, IUL offers protection throughout your entire life rather than during a set coverage term. It also functions in part as an asset accumulator, giving policyholders the option to contribute more than is required to maintain coverage.

These additional premium payments get added to the cash value account available with an IUL policy. What differentiates IUL cash value from other permanent life policies is the opportunity for interest gains. This account gets indexed to outside market indexes like the S&P 500. When those indexes have positive performance, your IUL cash value receives interest credits based on that upside movement. Indexing allows your policy to mirror broader economic growth when markets are trending upward.

The cash component within an IUL offers tax-advantaged growth opportunities not found with many other financial products. All gains made within life insurance cash accounts grow on a tax-deferred basis. This enables interest to compound year after year without incremental tax liability, maximizing your long-term accumulation potential. Cash withdrawals and loans you take from a policy also avoid creating tax events.

Indexed annuities offer upside potential tied to market index performance without downside risk from index losses. As a financial vehicle meant to create reliable retirement income, indexed annuities provide an effective means of growing savings while protecting hard-earned principal.

Unlike fixed annuities which pay a declared rate of return, indexed annuities allow interest calculations on accumulated value to be “linked” to the performance of market indexes like the S&P 500. When the index has a positive year, a portion of those gains get credited to your indexed annuity account. This gives your retirement nest egg growth opportunities on par with broader economic trends.

There is no “one size fits all” health coverage solution. We therefore spend extensive time assessing your specific situation, priorities, preferences, and budget. This allows us to match you with plans and carriers expected to best meet your needs and circumstances. It also helps avoid paying for unnecessary benefits not realistically expected to provide value for your personal scenario.

In addition to catastrophic medical plans from insurance marketplaces, we have access to top regional and national PPO, HMO, and hybrid offerings. Choices span across deductible, copay, prescription drug, doctor visit, hospitalization, urgent care, outpatient services, maximum out-of-pocket costs, authorized provider network, and various other components. Wide flexibility exists to custom tailor an optimal solution

Leading up to age 65 and Medicare eligibility, we clarify differences involving Medicare Parts A, B, C, and D. This includes coverage specifics surrounding hospitalization, clinical services, prescription medications, networks, out-of-pocket costs, and overall functionality. We explain how Medicare partners with private insurers to expand offerings through Medicare Advantage plans.

Analyzing your total financial picture, anticipated healthcare needs due to chronic conditions, ongoing medications, and provider preferences assists us in narrowing suitable options. We translate how customization choices influence cost exposure under original Medicare versus all-in-one Medicare Advantage programs. This allows tailoring selections toward your situation.

Last Will & Testament

Childern’s Trust

Durable Financial Power of Attorney

Healthcare Surrogate Desigination

HIPPA Authorization

Advance Directive

Living Will

Pet Trust

Revocable Living Trust

Probate Avoidance

LifeVault Cloud Storage

Spouse Plan included