Life Insurance

Final Expense • Term Life • Whole Life • Fixed Index Universal Life (FIUL)

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Our Specialties

Life insurance provides financial protection and peace of mind for the people you love. Yet almost half of households go without coverage, leaving families vulnerable to unexpected costs.

We guide you in choosing the right type and right amount of life insurance for your family.

Why Life Insurance Matters in Estate Planning

Term Life Insurance

Affordable coverage for the years that matter most

Benefits (what you gain):

- Straightforward protection: A clear death benefit for a set period.
- Budget-friendly: Typically the lowest initial premium for the coverage amount.
- Flexible planning: Choose a term (usually 10–30 years) aligned to your biggest obligations, like a mortgage, income replacement, or children’s education.

How it works (features):

- Pays a death benefit if the insured passes away during the selected term.
- Premiums are typically level for the duration of the term.
- Options may include conversion to permanent coverage (carrier rules apply).

Whole Life Insurance

Lifetime protection with guaranteed premiums and cash value

Benefits (what you gain):

- Permanent coverage: Protection that lasts a lifetime (as long as premiums are paid).
- Guaranteed level premiums: Your premium will not change.
- Cash value growth: Accumulates cash value you can access while living (through loans/withdrawals).

How it works (features):

- Combines a death benefit with cash value accumulation.
- Cash value can be used as a savings component or borrowed against if needed.
- Policy performance and available riders vary by carrier.

Elderly couple consulting a life insurance representative

Fixed Index Universal Life Insurance (FIUL)

Permanent coverage with index-linked growth potential and flexibility

Benefits (what you gain):

- Lifelong protection: Permanent coverage with flexible premium strategies (when properly funded).
- Growth potential: Accumulation value may earn interest based on an external index (or a fixed option).
- Access while living: Potential to access cash value through policy loans and withdrawals for needs like opportunities, emergencies, or supplemental income.

How it works (features):

- Tax-deferred accumulation value; generally income-tax-free death benefit (consult your tax advisor).
- Index-linked interest is subject to caps, participation rates, and floors; you don’t invest directly in the market.
- Flexibility to adjust premiums and death benefit (subject to product and carrier guidelines).

Final Expense

Permanent coverage with cash value

Benefits (what your family gains):

- Immediate financial relief: Funds to help pay for funeral, medical, and legal expenses.
- Lifetime protection: Permanent whole life coverage that does not expire (while premiums are paid).
- Predictable premiums: Premiums are designed to stay level.
- Cash value/loan value: Policies accumulate cash value over time that can be borrowed against if needed.

Features (how it works):

- Eligible ages: 0 to 85 (plan availability varies by age and provider).
- No medical exam: Streamlined application (carrier underwriting questions may apply).
- Payout: Income-tax-free death benefit to beneficiaries (consult a tax advisor for specifics).
- Use of funds: Beneficiaries may use proceeds for funeral costs, debts, medical bills, probate/legal fees, and other final expenses.

elderly Native American couple sitting together on a sofa holding hands.

How We Help

Licensed. Seasoned. Accountability in writing.

We believe the best financial decisions happen when you have the right guide. We meet you where you are, explain your options with transparency, and help you choose the commercial mortgage or life insurance solution that supports your goals today and strengthens your future tomorrow.