Let Us Protect You and Your Family!

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 Living benefits is a component that allows you to access a portion of your death benefit while you're still alive if you're diagnosed with a critical, chronic, or terminal illness . You can use the funds to pay for medical bills, long-term care, or lost income during your  health crisis using the policy when you need it the most.  

 Final expense insurance is permanent life insurance that is designed to cover end-of-life costs like funeral expenses, medical bills, and unpaid debts. It’s affordable,  and provides quick, tax-free funds to your loved ones when they need it most.  

 Guaranteed issue life insurance is a type of permanent life insurance that requires no medical exam and no health questions. Approval is guaranteed!  

 Term life insurance provides coverage for a set period—like 5, 10, 15, 20, 25, or 30 years—and pays a death benefit if the insured dies during that term. It's the most affordable type of life insurance and is designed to protect income, family, or debt during key financial years. 

  Permanent life insurance is permanent coverage that lasts your entire life, includes a death benefit plus a cash value component that grows over time. Premiums stay the same, and the policy can be used to build wealth, borrow against, or leave a legacy.  

 Mortgage protection insurance is a life insurance policy designed to pay your mortgage if you pass away. It helps ensure your family can stay in the home by covering all or part of the remaining loan balance, providing peace of mind and financial security.  

  Accidental death insurance pays a cash benefit if you die as a direct result of an accident. It's an affordable way to add extra protection—especially for those with active lifestyles, on the road constantly or high-risk jobs.  

 IULs offer tax-free growth, and flexible access to cash. Unlike a 529 plan, which is limited to education expenses and may affect financial aid applications, IULs provide greater control, protection, and no restrictions on how the money is used. 

 Rolling over your 401(k) or 403(b) into an annuity lets you turn retirement savings into guaranteed, lifelong income. It protects your money from market losses, offers tax-deferred growth, and can provide a predictable income stream—ideal for those nearing or in retirement.