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Protect Your Family. Retire Tax Free.
Life is a journey and you never know what may happen. Our goal here is to ensure that no matter what, you and your family is taken care of! Whether that be by helping you retire tax free through cash value life insurance, or by making sure you leave a check and not a bill to your loved ones through whole life protection.
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Index Universal Life (IUL)
Most people get an IRA or 401k of some sort when it comes to their retirement portfolio. The smart ones also add life insurance into their retirement portfolio. Why?Tax Code 7702 states life insurance is a non taxable asset. On top of that, insurance is by definition protection against loss. This means you can contribute to a life insurance policy, let that equity (cash value) grow tax free tied to an Index Fund, and never worry when the stock market crashes because your life insurance is protected money.Congrats! You just avoided market loss and paying Uncle Scam! You can use your cash value in your policy tax free for retirement or for business / real estate funding. Whatever your heart desires!
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Final Expense / Whole Life
Family is the core value of most to all people. We want to see them live their best lives whether we are here or not.When setting up your finances for your family, life insurance protection is one of the key assets needed. Your family should not have to downgrade their lifestyle if something was to happen to a breadwinner. And your family definitely should never be forced to pay out of pocket final expenses on the worst day of their lives.Final Expense Life insurance is the only policy you will pay for that goes into effect once you are already gone. That being said, we promise that when you are gone, we will personally hand your family that check and guide them through the whole funeral process to make sure they aren't stressed about finance or coordination on that day.
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Term Life
An extremely affordable way to protect your family and finances: for a set amount of time.Term life insurance is typically used in two scenarios. Most common scenario is for the new homeowner: Mortgage Protection. Homeowners get term life insurance so that if anything were to happen to them while they are still paying off a mortgage, the mortgage will be payed off in full: and for dirt cheap! Nobody wants their family to lose their house after losing a loved one.The other reason people will get term life insurance is because of what was just said above. It's dirt cheap! And for a lot of coverage! New parents will get this to make sure if they pass before their child turns 18 years old, their child will be left well off and paid a large lump sum of life insurance money.