Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education, protect your spouse’s retirement plans, and much more.

If you’re considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

Modern Life Insurance often provides Accelerated Benefits Riders (ABR) also known as Living Benefits. ABR allow you to access all or part of your death benefit while you are living, if you experience a qualifying terminal, chronic, or critical illness, or critical injury. Once you qualify, you can use the benefit for any reason, such as:

• Household expenses
• Adult Day Care
• Home modifications
• Nursing home care
• Quality of life expenditures

Savings take tremendous amount effort and time to grow. Retirement is not the time for your hard-earned money to face market risks. Protect your investment by moving it to a zero-loss guaranteed annuity while earning a steady growth. Some plans even offer guaranteed life-time income and/or double long-term care benefits to ensure you will never outlive your resources.

There is no argument that retirement savings are critical for everyone to have. However, not many people know how to correctly set up a plan that allows your hard-earned money to work for you. Talk to our financial experts and find out how you can maximize your earnings while protecting your savings from market loss.

Creating an income plan that last throughout retirement is perhaps the single most important challenge retirees will face. Many people spend 30 years or more living in retirement without earned income. Ensure you won’t outlive your resources by create a customized retirement plan that provides Tax-Free Lifetime Income today.

Mortgage, car loans, business or personal debts are substantial financial burden for a family especially after the passing of a provider. Life insurance can offer the financial means to pay-off debts, protect assets and provide financial security for loved ones in case of passing.

Aging often comes with deteriorating health and inability to perform daily activities. Allow yourself the option to receive personal care, have the best quality of life and live as independently and safely as possible during retirement.

Nothing can beat company participation. If your employer contributes, MAX THEIR CONTRIBUTION EVERY YEAR. Whatever overage you’re contributing beyond the matching amount, you need to speak with us today as you may not be maximizing potential earnings.

High tax rates can wipe out a large portion of your hard-earned money. Talk to our financial experts to create the best strategy to minimize taxes and maximize earnings.

Loans, credit card debt, estate costs, the funeral… most people leave behind unpaid expenses when they die, expenses that, if left unattended, burden their families tremendously. Final expense coverage is life insurance that pays off these debts, ensuring that everything will be taken care of when you pass.

College savings plans allow you to take advantage of the tax benefits available while providing your loved ones the education they will need for a brighter future. You can use these plans to pay for college, K-12 tuition, apprenticeship programs and student loan repayments. If used to save for college, your savings will have a minimal impact on financial aid eligibility.

Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.