Different purposes of life insurance

Mortgage Protection

The type of life insurance designed to help cover your mortgage payment

in the event of a major injury or illness to the breadwinner.
Pays a lump sum of money if the breadwinner dies to pay down or payoff the mortgage.
Some policies pays back part or all of the premiums paid in if the insured outlives the policy term.

Income Protection

This is the type of life insurance that pays a lump sum of money to help replace lost income in the event of

a major injury
illness
death of the insured.

As an alternative or supplement to your 401k

A properly funded cash value life insurance policy can be a great alternative or supplement to your 401k plan.

Grows tax deferred like a 401k
Zero stock market loss risk unlike a 401k
Cash available without age 59 1/2 restrictions unlike a 401k
Lump sum cash paid in case of major injury or illness not offered on 401k
Death benefit payout usually much greater than the cash in the 401k all tax free to beneficiaries

Cash value life insurance and it's many uses

For Small Business Owners

From asset protection to funding buy sell agreements, retirement funding, income protection from major injuries, illness and death of the business owners. Cash value life insurance can be a critical financial tool for all business owners.

College Funding Alternative

Thinking outside the box.

Should you invest or insure your money?

We believe you should do both. The only question is in what proportions. But one thing is certain the more of both the better!