Products and Services Provided
Custom Policy Designs and Policy Reviews
Indexed Universal Life
A permanent life insurance policy optimized for Cash Value accumulation by receiving an interest crediting rate based on market performance in an index fund. Indexed Universal Life accomplishes the perfect balance between affordable permanent life insurance and tax-deferred accumulation inside its Cash Value account. Great for those who want more variable, higher potential annual returns, while having downside protection.
Whole Life (Infinite Banking)
A whole life policy designed for optimal Cash Value accumulation in early years. These policies are engineered with dividend-yielding mutual life insurance carriers. These policies are popular with real estate investors, business owners, and working professionals that wish to routinely utilize their Cash Value to acquire assets in a tax-deferred/tax-free manner. Stable dividends returns make this a great bond proxy for consistent returns.
Annuities
Annuities build wealth inside of a tax-deferred account with no downside risk. Annuities can favor appreciation via guaranteed returns via MYGAs or stock market linked returns via FIAs. Other income based annuities favor immediate or deferred guaranteed income for life. Annuities with guarantee income provision can provide stable income even if account balance drops to 0 and/or after death of spouse. Great for those who are unpleased with their portfolio returns or looking to hedge downside risk and/or generate future income.
Term Life
A temporary form of life insurance that guards the beneficiaries of the insured from death over a period of 10 to 30 years. Like Indexed Universal Life and Whole Life, it also has living benefits for disability, major illness, and terminal disease. Term is often used to fill in the gaps of larger liabilities like mortgages or replace earning potential of lost future income. Because of the temporary nature of Term life, it does not have access to Cash Value. Best used as supplemental coverage on top of a cash value permanent life policy.
Medicare
Medicare is a federal health insurance program primarily allocated for 65+ year olds providing essential coverage for hospital stays, doctor’s visits, and preventative screening and services. Medicare is structured as two general paths: Original Medicare (Parts A and B) plus Medicare Supplement or Medicare Advantage plans. Medicare has numerous plans with various levels of coverage, and premiums. Pick the right program can mean the difference between large out of pocket costs from deductibles/coinsurance, excess charges, limited doctor access and coverage gaps that can whittle away retirement savings.
Long Term Care
Long Term Care (LTC) insurance is a type of insurance that pays the insured in the event of chronic illness related to disability or aging. It helps pay for home care, assisted living or nursing home related expenses. LTC policies can be standalone or asset backed policies linked to permanent life insurance/annuities. Statistically 70% of retirees will require some form of Long Term Care. Having the wrong program or no protection can lead to excessive premiums, insufficient benefits and massive out of pocket expenses. Long term care insurance takes the pressure off of retirement savings and burdened loved ones.
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