Providers

We align ourselves with industry-leading companies to provide you the best choices and to earn your trust.

Real Life Products

Stand out from the crowd with life insurance products that offer optional living benefits that let clients access up to $1.5 million of the death benefits while living in the event of a qualifying illness

Annuities for guaranteed lifetime income | Fixed Annuities | Fixed Indexed Annuities | Can be used to fund 403(b) and 457(b) retirement plans for state and school employees.

A secure, comfortable retirement is every worker’s dream. And now because we’re living longer, healthier lives, we can expect to spend more time in retirement than our parents and grandparents did. We have relationships with many insurers, which allows us to help you find a suitable financial vehicle to provide you with retirement income you can’t outlive.

MEDICAL LIVING BENEFITS – CRITICAL | CHRONIC | TERMINAL

Every year 6 million people are diagnosed with a heart attack, stroke, or cancer. 70% of those people will not die and more than half go bankrupt in the process. Clients have blessed the day, they purchased a living benefits policy.

LIFE INSURANCE – TERM | PERMANENT | FINAL EXPENSE

The reason that is so important is that every life insurance carrier has a sweet spot, meaning that each carrier has a preferred health profile they’re looking for in regards to your age, lifestyle, health status, medications, family medical history, etc. We can get you coverage no matter what. Our team of experts will take a look at your unique situation, and find the right insurance product from the right insurance carrier, that will give you the very best rate. A regular life insurance agent just doesn’t have the expertise nor the carrier relationships to do this for you.

What Propels Us

Millions of families don’t have the financial flexibility and security they need to go after their dreams.

78%

The number of  U.S. workers living paycheck-to-paycheck

30%

The number of American households that do not have life insurance; 35% of all households would feel adverse financial impacts within a month if the primary wage earner died2

81%

81% of Americans don’t know how much they need to retire. CNBC.com , Feb 2017

16%

Only 16% of americans are saving 15% of their annual income for retirement or emergencies. CNBC.com, March 2019.

DISCLAIMER:

  1. Living benefits are provided by no-additional premium accelerated benefit riders. Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social sewice agencies concerning how receipt of such a payment will affect you. Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy.
  2. Guarantees are dependent on the claims paying ability of the issuing company.
  3. Guaranteed lifetime income may be provided either by annuitizing an annuity, or through an annuity income rider. Riders are supplemental benefits that can be added to an annuity. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific annuity.
  4. The 0% “floor” provided by an indexed life insurance policy or annuity contract ensures that during crediting periods where the index is negative, that no less than 0% interest is credited to the index strategy. However, for life insurance, monthly deductions continue to be taken from the account value, including a monthly policy fee, monthly expense charge, cost of insurance charge, and applicable rider charges, regardless of interest crediting. For indexed annuities, any rider charges continue to be deducted regardless of whether interest is credited. Indexed life and annuity products do not directly participate in any stock or equity investments.