Life Insurance - Serving Clients Since 2008

Protect your family's future against life's uncertainties.

Our mission is to provide you with the most competitive quote and budget-friendly policy tailored to your needs - not just a random quote.

Types of Life Insurance Policy

TERMS

Term life insurance offers simple, affordable coverage for a fixed time like 10, 20, or 30 years. If the insured person passes away within this timeframe, their loved ones get a payout. It's cost-effective and ideal for temporary needs, such as settling a mortgage or supporting kids until they grow up.

ROP

Enjoy peace of mind with our Term Policy, valid for 10, 20, or 30 years. If you outlive the term, you get all your money back. It's a perfect deal if you keep up with the payments. After the term, you can get a new policy or save the money for future expenses. We recommend choosing a permanent policy with Return of Premium (ROP) for continuous coverage that protects your future.

WHOLE LIFE

Whole Life Insurance - This is permanent insurance covering you for life. It builds cash value you can borrow from or use to cover premiums. It’s pricier than term insurance but offers lasting protection and is ideal for leaving a legacy or meeting long-term financial commitments.

UNIVERSAL LIFE

Universal life insurance is a lasting coverage option with flexible premiums and benefits. It has a savings part that accrues on a tax-deferred basis, which you can use for premium payments or take out cash. You can also change your coverage amount and what you pay for the policy. This insurance suits anyone wanting to adapt their plan and payments to financial shifts.

FINAL EXPENSE WL UP TO $50,000

Final Expense Whole Life Insurance offers a quick way to get coverage without a medical exam—just answer some health questions to apply. While this convenience may mean higher premiums than traditional life insurance, it's a great choice for hassle-free protection.

GUARANTEED ISSUE

Guaranteed issue life insurance is a type of life insurance that is available to anyone, regardless of health or age. The premiums for guaranteed issue life insurance are typically higher than other types of life insurance, and the death benefit is often limited. Guaranteed issue life insurance can be a good option for those who have been denied coverage elsewhere or who cannot qualify for traditional life insurance due to health issues.

WHOLE LIFE - FINAL EXPENSE UP TO $50K

As time passes, our health inevitably undergoes transformations, which are a natural part of the aging process. Understanding this, our Whole Life Final Expense insurance has been meticulously designed to cater to the distinct health requirements that emerge as you grow older. This tailored policy provides a sense of security with coverage options that extend up to $50,000.

What makes our offering exceptional is that obtaining this cover does not involve any medical examinations, thereby simplifying the process and making it hassle-free. Instead, all that's required of you is to answer a handful of straightforward questions. This ensures that you're able to secure the necessary financial protection without the need for complex paperwork or invasive procedures.

If you're curious about what your personalized rate would look like, we've made the process incredibly easy for you. With just a click, you can initiate the journey to acquire your quote.

As Jack Ma, founder of Alibaba, once said, "Buying insurance cannot change your life, but prevents your lifestyle from being changed. An illness can wipe out the entire family's savings that they had saved for decades by medical bills. You will not go bankrupt because of buying insurance, but you will cause your loved ones to go bankrupt if you don't"

Here are some of the reasons why our clients want life insurance protection while yours could be slightly different:

  • Protect your business from the sudden loss of a partner.

  • Easily pay off any mortgages, whether they’re for business or personal matters.

  • Ensure funeral expenses are taken care.

  • Maintain your family's standard of living by making up for lost earnings.

  • Save for your child's college tuition.

  • Enjoy a comfortable retirement.

  • Strengthen the future of your business.

  • Leave a financial safety net for your family.

  • Free them from financial concerns, or...

  • Smartly increase your funds with savvy investments.

Life insurance is a safeguard you hope never to need, but it's essential for covering financial losses from the sudden passing of a loved one.

Life Insurance is = LOVE

Fix Index Annuity (FIA)

Is your savings account living up to its potential? A multitude of savvy clients are transitioning their 401Ks, Roth IRAs, Bank Savings, CDs, and more into our Index Annuity for an array of compelling reasons:

Principal Protection

Guarantees that your account balance is protected against market downturns. Peace of mind is the way of your financial security

8% Roll-Up Rate

Compound it for the next 10 years or capped at 10% whichever is greater.

Tax Deffered

Allows your interest to grow without being taxed until you make a withdrawal. This enables your account to compound and grow more quickly.

Maximize Gain

When the market rises with returns capped at 10% while your principal is protected

20% Bonus

When opening an account. For example, if you open your Index Annuity account with $100K, you will get a 20% ($20K) add onto your account for a total of $120K to begin with.

Roll Over 401K

You can easily transfer your 401K, Roth IRA, 403b, etc...

Secure your future with our Index Annuity – where your income blooms by a guaranteed 8% each year, up to a 10%, for a decade. Ideal for riding the market's highs and sidestepping its lows – it's like winning at blackjack, minus any gamble. Embrace the power to boost your gains, backed by the assurance of market defense.

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