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Living Benefits

Living benefits are features in certain insurance policies providing financial assistance while alive up to $1.5 Million, including:

  1. Critical Illness Coverage: Lump sum payment for covered illnesses.

  2. Long-Term Care Coverage: Financial aid for long-term care services.

  3. Accelerated Death Benefit: Access to a portion of the death benefit for terminal illness.

Infinite Banking

  1. Financial Flexibility: Easy access to cash for various needs.

  2. Tax Advantages: Tax-deferred growth and tax-free policy loans.

  3. Asset Protection: Potential protection from creditors.

  4. Legacy Planning: Death benefit for beneficiaries, often tax-free.

  5. Guaranteed Growth: Cash value grows regardless of market fluctuations.

  6. Dividend Potential: Some policies pay dividends, enhancing value.

  7. Private Financing: Self-directed borrowing, greater control over financing.

Retirement

We provide cutting-edge retirement solutions that stand out in the country.

 

Our Fixed Index Annuity (FIA), established in 1759, transforms your money into wealth.

 

FIA with Life Insurance is the birthplace of millionaires.

 

Say goodbye to stock market losses, fees, and hello to compound interest, tax deferral, lifetime guaranteed withdrawals, death benefits, and more.

 

Rest assured, your hard-earned savings won't be claimed by the state or lost in pension worries - we offer beneficiary options to safeguard your wealth.

Index Universal Life

  1. Indexed Universal Life (IUL): This is a type of permanent life insurance that offers a death benefit along with a cash value component. The cash value can grow over time based on the performance of a stock market index, such as the S&P 500.

  2. Properly Structured: This refers to the careful design and setup of the IUL policy to ensure it meets the policyholder's financial goals and needs. Proper structuring involves considerations such as premium payments, death benefit coverage, cash value growth potential, and policy guarantees.

  3. Cash Value Growth: A properly structured IUL aims to maximize cash value growth over time, typically through participation in stock market index gains while offering downside protection against market losses.

  4. Flexibility: Proper structuring ensures the policy offers flexibility in premium payments, death benefit options, and access to cash value through policy loans or withdrawals.

  5. Risk Management: It involves managing risks associated with the policy, including ensuring the policy remains in force over the long term, minimizing policy lapse risks, and optimizing cash value growth while maintaining death benefit protection.

  6. Tax Efficiency: Proper structuring may also involve considering the tax advantages of IUL, such as Tax-free withdrawls/loans, growth, and tax-free death benefit proceeds for beneficiaries.

  7. Living Benefits: Also includes Terminal, Critical, and Chronic illness benefit. Which is additional to the policy cash value.

Debt Solutions & Business Funding 

  • Business Funding

  • Syndicated LOC

  • SBA 

  • Equipment Financing

  • Working Capital

  • Business Line of Credit

  • Term Loans

  • Debt Consolidations

  • Business Credit Programs

  • Personal Credit Programs

Life Insurance options

  • Term 10 , 15, 20 , 25, 30, 35

  • Whole Life

  • Executive Bonus

  • Indexed Universal Life

  • Key Person

  • Guaranteed Universal LIfe

  • Final Expense

  • Split Dollar

  • Business Life Insurance

  • Trust/Will Plans

  • ROP

  • Max Funded CV Policy

  • Church Organizational Plans

  • Tax-Free Retirement Policy

Children
Legacy Policy

Establishing a Legacy policy for your children presents a potent strategy for securing their financial future.

 

Through this policy, you not only ensure life insurance coverage but also initiate a pathway for wealth accumulation.

Commencing a Legacy policy during your children's early years leverages their extensive time horizon, optimizing the growth of cash value.

 

This accrued cash value becomes a substantial financial asset as it accumulates over time, offering significant benefits in the future and lncome they can receive for the rest of their life.

Complimentary Financial Plan

 A financial plan would normally cost you $1,000 to $1,500.

 

However, we are offering an analysis of your financial situation and goals at no charge.

 

It covers budgeting, saving, investing, retirement, insurance, tax strategies, and estate planning to help you make informed decisions and achieve financial security.

Entrepreneur
Coaching & Mentorship

Entrepreneur coaching and mentorship provide guidance and support to individuals starting or growing their business.

 

We focus on skill development and goal achievement, while mentorship involves sharing insights and advice based on experience.

 

Our aim is to you as the entrepreneur succeed.

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