Mortgage Protection

Final Expenses

Whole Life

Term

Universal Life

Many homeowners worry about leaving behind a huge debt in the event of their death, or risking foreclosure if they are unable to draw on income. Mortgage Protection Insurance can safeguard your family against this burden, to ensure the house payment is covered...even if the unthinkable happens.

Final Expense Insurance is designed to cover the bills that your loved ones will face in the event of your death...for example: Medical bills, Funeral costs, etc. This Insurance is sometimes referred to as Burial Insurance...since even "bare-bones" funerals can now costs Thousands of $$'s.

Whole Life Insurance is a contract with Premiums that include both Insurance and Investment components. The Insurance component pays a pre-determined amount when the insured individual dies. The Investment component builds an accumulated Cash Value, of which the insured individual can borrow against, or withdraw. Most states now consider age 121 to be the trigger to receive the full Face amount.

Term Insurance is a policy designed with a set duration limit concerning the coverage period. Once the policy has expired, it is up to the Policy Owner to decide whether or not to renew the policy...or to let the coverage end.

Universal Life Insurance is a type of flexible Permanent Life Insurance offering the low-cost protection of Term Life...as well as a Savings element, (like Whole Life Insurance), which is invested top provide a Cash Value buildup. The death benefit, Savings component and premiums can be reviewed and altered as a Policy Owner's circumstance's change. Unlike Whole Life Insurance, Universal Life Insurance allows the Policy Owner to use the interest from his accumulated Savings, to help pay premiums over time.

Hospital Indemnity

Hospital Indemnity...also known as "Hospitalization Insurance", is a plan that pays you benefits when you are confined to a Hospital...whether a planned visit, or an unplanned one. It'll pay for other Medical facility related costs as well, i.e.: Family visits, Maternity visits, Ambulance & Emergency room visits too. Even increased payments for intense ailments such as stroke or cancer under select policies.

Medicare

Medicare coverage described in the simplest terms...

Part A: Inpatient medical coverage.

Part B: Outpatient medical coverage.

Part C: Offers alternate ways, such as Medicare supplements.

Part D: Prescription drug coverage.

Most people choose to cover themselves thru both Part A & Part B, which is commonly known as the "Fee-For-Service" (FFS) program, offered directly thru the federal government. Under this service, the government pays directly to the Doctor you visit.

Annuities

Annuities assist in saving for retirement...one of the greatest financial challenges facing Americans today. Company pension plans are a thing of the past, Social Security faces a questionable future, and 401(k) and IRA plans have maximum contribution levels that could limit your savings. With an annuity, you can benefit from tax-deferred savings, ( 3 Ways: a. Accumulated growth on the Premium b. Growth on the compounded growth c. Growth in the monies that didn't have to be taken out to pay taxes! )...and ensure that you have a guaranteed income in retirement. You can structure an Annuity to pay you for the rest of your life...even if you live to be 100+! You can also use Annuities to transfer wealth to the next generation while avoiding probate.