Product Education
We put our clients' needs above the interests of insurance carriers.
We compare options from all major companies to ensure you get approved, your needs are fully met, and your coverage fits your budget—delivering the top 3 choices tailored just for you.
Whole Life
Who's This Perfect For?
Great for parents securing kids’ futures.
Ideal for long-term planners.
Never expires—coverage for life.
Premiums stay the same forever.
Builds cash value you can use.
More expensive but lasts forever.
Product Overview
Think of it like a financial safety net that lasts forever—peace of mind for your family, plus a piggy bank that grows over time. Guaranteed death benefit, fixed premiums, and cash value growth you can borrow against.
Term Life
Who's This Perfect For?
Suits temporary needs
(e.g., mortgage).
Cheapest option for big coverage.
Flexible term lengths (10, 20, 30 years).
No cash value—pure protection.
Ends after the term.
Lowest cost upfront.
Product Overview
It’s like renting protection—cheap and effective for a certain number of years, perfect if you’re on a budget. Low-cost premiums, high coverage for a set period, and simplicity.
Participating Whole Life
Who's This Perfect For?
Suits for dividend and Wealth Builders.
Permanent with a bonus perk.
Lifelong coverage, cash value, and potential dividends
permanent insurance plus a chance to earn extra money, such as investors or legacy planners.
Product Overview
Imagine a Whole Life policy with a bonus—your money grows, and you might get a yearly payout like a shareholder. Lifelong coverage, cash value, and potential dividends from the insurer’s profits.
Index Universal Life (IUL)
Who's This Perfect For?
Protected from market losses.
Cash tied to market gains.
Adjustable premiums and benefits.
Customizable for your goals.
Market-linked, unlike Whole Life.
Flexible, unlike fixed policies.
It’s like a hybrid—part insurance, part investment, where you can ride market highs but won’t crash if it dips. Flexible premiums, cash value tied to market indexes (e.g., S&P 500), and a floor to protect against losses.
Final Expense
Who's This Perfect For?
Covers funeral costs
Simple application process.
helps cover debts without burdening family.
higher premiums
smaller coverage than other permanent policies
often no medical exam
Picture it as a simple way to pay for your funeral—so your loved ones aren’t stuck with the bill. Easy approval (often no medical exam), small affordable policies, and quick payouts.
Annuities
Who's This Perfect For?
Retirees needing income Who are Worried about outliving money
Guaranteed payments for life.
Tax-deferred growth.
Income-focused, not death benefits.
Customizable (fixed or variable).
Longevity protection, not family.
It’s like creating your own pension—put money in now, get paid later, so you’re never broke in retirement. Steady income stream, tax-deferred growth, and customizable options (fixed, variable, or indexed).
Get In Touch
Email: [email protected]
Assistance Hours
Mon – Sat 10:00am – 8:00pm EST
Sunday – 1:00 -4:00pm EST
Phone Number:
(757) 520-0804