Our financial solutions

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• Death Benefit Protection
• Cash Value
• Tax Advantages
• Protect against market loss
• Tax deferred growth
• Tax free withdrawal and loan
• No minimum age requirement for withdraws

Are you seeking an innovative way to grow your portfolio amid today’s volatile markets, high inflation, and high-fee investments? 

Index Annuities offer growth potential and protection of your money in a cost-effective solution to help make your financial future more predictable, so you can live your best life.

A solution for your retirement.

Executive Bonus Plans can be an effective way to reward selected employees or owners while providing tax deductions for employers.

Using an Executive Bonus Plan, companies can provide their key executives or owners growing cash values in the form of company paid cash-value accumulation insurance policies.

Small business owners put maximum effort into establishing and running their business, but are they taking the right steps to make sure their business can survive the unexpected death of a key employee? The sudden departure of a key employee could be catastrophic to a company. Not because the owner did anything wrong, but because they did not do enough.

 Cross-Sell (Buy-Sell) Agreements are business succession strategies designed to protect business owners when one partner passes away. Under this arrangement, each owner agrees in advance to buy the departing owner’s share of the business at a predetermined value. Life insurance is commonly used to fund the agreement, providing the surviving owners with the liquidity needed to purchase the deceased partner’s interest. This structure helps ensure business continuity, protects ownership control, and provides fair compensation to the deceased owner’s family without forcing a business sale or financial strain. 

• Health insurance:  Does not cover long-term care expenses.
• Medicare: Covers up to only 100 days if qualifiers, such as a 3-consecutive day hospital stay under treatment, are met; the first 20 days are covered 100%, but after that, there is a significant co-pay.
• Medicaid: Covers long-term care expenses for individuals with countable assets of $2,000 or less (varies by state).
• Long-term care coverage: LTC coverage can be a cost-efficient way to help protect yourself and your assets from the potentially high cost of long-term care.

Optional living benefit riders can provide early access to your policy’s death benefit, should the insured experience a qualifying chronic, critical, or terminal illness such as a stroke, cancer, heart attack, or paralysis.