Free consultation — Setting up life plans for your children and grandchildren that can fund (but not limited to) their college expenses, a down-payment on a house and supplement their retirement income.
Free consultation — Your estate is all the property that you own. It can include cash, clothes, jewelry, cars, houses, land, retirement, investment and savings accounts, etc. Make plans for the transfer of your estate after death.
Estate planning usually has several objectives and goals. They include:
Making sure most of the estate is transferred to your beneficiaries
Paying the least amount of taxes on your estate
Assigning guardians for minor children, if any
Free consultation — The magic of indexed annuities to protect against market losses
Free consultation — Leaving a legacy for your family
Term life insurance — Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid.
Term insurance is initially much less expensive when compared to permanent life insurance. Unlike most types of permanent insurance, term insurance has no cash value. In other words, the only value is the guaranteed death benefit from the policy.
Whole life insurance — Whole life insurance covers you as long as you live. You have to pay the same amount of premium for a specific period to receive the death benefit.
Indexed universal life insurance — This policy is also termed "adjustable life insurance" because it offers more flexibility compared to whole life insurance. This means you can increase your premiums or pay a lump sum according to the specified limit in the policy. As you know, part of your premium minus the cost of insurance is put into an investment account—any interest accrued is credited to your account. The interest you earn grows on a tax-deferred basis, increasing your cash value.
Living benefits — Living Benefits are no-additional cost riders that can allow you to access all or part of your death benefit, while living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury.