Our Products

Your home may be the greatest financial investment you make during your lifetime. Safeguard it with a mortgage term life plan.

A mortgage protection life plan may allow your family to:

• Pay off the mortgage so they can stay in the home
• Settle your debts and final expenses
• Continue to pay the bills and maintain their current lifestyle
• Carry out your plans to send your kids to college

Living Benefits Automatically Included:

• Chronic Condition
• Critical Illness
• Terminal Illness

Optional Rider

• Return of Premium
• Disability Protection
• Income Assured

Guaranteed Universal Life

Permanent guaranteed death benefit with guaranteed non-lapse rates that are guaranteed to remain unchanged.

Plan Includes:

• Chronic and Terminal Illness Benefits
• Return of Premium

Index Universal Life

IUL is a versatile permanent life insurance policy that pairs solid death benefit protection with the potential to generate strong cash value faster than most traditional UL life polices.

Benefits:

• Federal income tax-deferred interest
• Tax-advantaged loans and withdrawals against cash value of the policy
• Flexible Death Benefit Ability to change death benefit in the future on your changing needs
• Protection against market loss – never have a negative return due to market losses
• Living Benefits
• Return of Premium

Whole Life

Builds tax-deferred cash value that are guaranteed, you can access these values through a policy loan. Premiums guaranteed to stay level and will never change.

There is no way to predict what may happen with your business in the future if you or your partner were to die.

The death or long-term disability of a business owner may lead to many problems, jeopardizing a lifetime of hard work and investment, leaving the remaining business owners with difficult decisions.

These agreements are designed to ensure a smooth transition of ownership when business ownership needs to be transferred because of the loss of an owner.

Annuities are an important part of retirement and investment plans, designed to help your assets grow and provide a steady stream of income when you decide to retire. An annuity is an agreement between you and an insurance company, where you accumulate your funds in a tax advantaged manner and can later receive a series of payments provided by the insurance company for a determined period of time, either a number of years or for life, beginning right away, or in the future, whatever your needs are.

The ability to earn income is your most valuable asset. Protect it today with our diverse income protection solutions:

• Accidental Disability
• Simplified Issue Short-Term Disability
• Short-Term Disability
• Long-Term Disability

Business Overhead Expense

Business Overhead Expense Disability Income Insurance provides benefits to help cover your fixed monthly business expenses if you can’t work because of an injury or illness.

Expenses like:

• Employees’ salaries
• Rent, Utilities, Maintenance
• Taxes

If you’re diagnosed with a serious illness, one of the last things you want to worry about is your finances. A Critical Illness policy helps provide protection, so you can focus on getting well.

• Benefit Amounts: $10,000 to $100,000
• Policy Term: 10-, 15-, 20-, and 30-years or Lifetime
• Your policy is guaranteed renewable for the life of the policy
• Limited underwriting
• Return of Premium (ROP) benefit upon death

Long-Term Care Insurance can help as you age. You may need help with things you’ve always been able to do yourself—shopping for groceries, fixing meals, cleaning the house. You may also need help with personal services, like bathing, dressing or taking medications. A long-term care insurance policy is designed to help you pay for these types of services.