WHAT IS LIFE INSURANCE
Its the transfer of risk from the pocket of the consumer over to a company. Those risks may include the list below. We pay a small premium in exchange for protection in the event of a premature death or unforeseen disability. What items below would you need protection for?
PROTECTION FOR:
  • Final Expenses (Burial, Medical Bills)
  • Pay Off Debts
  • Pay Off Mortgage
  • Replace Lost Income (for survivors)
  • Accumulate Cash Value
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BENEFITS MAY INCLUDE:
  • Tax Free Income (Potential)
  • Tax Free Wealth Transfer
  • Asset Protection
  • Long-Term Care Benefits
  • Critical Illness Benefits
  • Terminal Illness Benefits
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WHY LIFE INSURANCE? 
Watch this video in under 6 mins and learn about LIFE Insurance...
HOW DO YOU CHOOSE LIFE INSURANCE
We are often asked which type of life insurance is best. The answer is, the type that is in place when you need it. However, we put more thought into planning this just picking one, we look at what your actual needs are, how long you will have a need for life insurance, what kind payment can you afford and does using life insurance as a retirement tool benefit you as well. 

Many people know that Life Insurance can provide a form of tax free income and asset protection but this may not be the right tool for everyone. We would like to help you understand how they work, what your options are and how to make an informed decision. 
We offer at NO CHARGE a complete needs analysis so that your goals and objectives are met with more assurance than choosing a number in the sky. We then help you find the best type of insurance, at an affordable rate to your budget using only the top companies in the marketplace.
CALL US AT 800-588-0558

HOW MUCH DO YOU NEED?
Here is a simple method you could do at home...

The FIRST question should be:  
HOW MUCH DO YOU NEED...???
  • Some say 10x your annual income
  • Some say how much do you need to pay off the house
  • Some just pick a number out of the sky...
THE D.I.M.E. METHOD
D   = DEBIT (what needs to be paid off in event of death?)
I    = INCOME (what income does your surviving family need?)
M  = MORTGAGE (what do you owe on your mortgage?)
E    = EDUCATION (what are your college funding plans?)
The SECOND question should be:  
HOW LONG DO YOU NEED COVERAGE?
Do you need coverage for when the kids are in the house or for the rest of your spouses life, or just till the mortgage is paid off?
The THIRD question should be:  
HOW MUCH CAN YOU AFFORD TO PAY MONTHLY?
Some polices cost more, and offer additional benefits, such as potential tax free income during retirement, Long-Term Care, and Estate Planning options. They may cost more, but the benefits if affordable may be better.
This is a sample and actual rates may differ
GET THE ANSWERS YOU NEED!!!
We offer you a Free Needs Analysis

We offer a FREE no cost personal financial check-up to help you determine the amount, duration and the best type of insurance for your goals. Below you will find a couple of charts that will compare the different types of policy types that exist in the market. Keep in mind, some policies offer Long-Term Care, Terminal Illness and Chronic Illness benefits. Perhaps your looking for TAX-FREE income and Asset Protection type policies. Just give us a call at 800-588-0558 for our recommendation.