Understand the differenent types of insurance
Whole Life
Whole Life provides lifelong coverage with a guaranteed death benefit, as well as guaranteed cash value growth and monthly premiums that are locked in. It is a stable & predictable policy that builds overtime.
Term Life
Term Life is the most affordable option because it is temporary protection for a ser number of years. It provides the highest amount of coverage for the lowest cost, but it should not be used to rely on solely. Term is best used for income protection, mortgage protection or when someone can not yet afford something permanent. Most term policies do not payout, and most people outlive them. It is important to keep this in mind. Monthly premiums are also not locked in, and will continue to increase over time!
Indexed Universal Life (IUL)
Indexed Universal Life (IUL) policies offer flexible coverage and the potential for cash value growth. The cash value growth on an IUL is tied to the S&P 500 (the top 500 companies in the stock market) without the risk of market losses. This means that when the market does poorly, you won’t have any growth (but also no loses), so unlike a Whole Life policy, growth is not guaranteed. When funded correctly, an IUL can provide lifelong protection and tax-advantaged access to cash for retirement or major goals. IULs have flexibility to be customized to your long-term goals. IULs allow you to access the money tax-free without having to pay it back on schedule like a bank. These are the types of policies people use when they “become their own bank,”
Let's Get You Protected
Let's Get You Protected
As a licensed agent with multiple carriers, I am able to shop the open market for you, so you can save time & money. My mission is to get as many people protected and make getting life insurance as easy as possible! Let’s eliminate the confusion when it comes to life insurance and learn how to benefit from it even when we are alive!
Contact Us
When you work with us, we are able to search the open market for you & compare rates from different carriers to save you time & money. Fill out the form below or reach out to us directly to see what options may be available to you!