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Term Life Insurance

Term Life Insurance is an affordable product offering temporary coverage for a set period of time, also known as a ‘term’.

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Whole Life: Intro & Dividends

Whole Life Insurance is the oldest form of life insurance and designed to minimize risk while providing positive guaranteed returns as dividends.

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Whole Life: Taking Money Out

Withdrawing from a whole life insurance contract is drawn from the dividends basket as cash or a loan (should it be favorable to do so) or from the cash value basket in the form of a loan.

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Survivorship Life Insurance

Under current tax laws, estate assets can pass from one spouse to the other free of estate and gift taxes. While this ensures protection for your spouse, it may place a more significant tax burden on your heirs. Survivorship Whole Life can be an effective planning vehicle to ensure that your family has the liquidity needed to help preserve what took you a lifetime to build.

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Indexed Universal Life (IUL) Cash Value Accumulation

How are your premium dollars divided in this product?

Basket 1. Cost of Insurance

Basket 2. Company Expenses

The remaining portion of premium is your Cash Value, which is invested into

Basket 3. Securities

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Indexed Universal Life (IUL) Taking Money Out

IUL has two options for taking money out: a withdrawal or a loan. When taking a withdrawal first, we access the principal (or the value of premiums paid into the contract) and only after that can we access any of the gains. The gain withdrawals are taxable.

When taking money out via a loan, interest rates must be taken into consideration and weighed against the alternative method of withdrawing.

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Indexed Universal Life (IUL) Flexible Design

Indexed universal life insurance provides a unique level of flexibility for your life insurance. It can help protect your family’s standard of living or help fund your child’s education in the event of the death of the insured. The policy also offers options to change death benefit amounts or adjust premium payments within certain limitations.

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Indexed Universal Life (IUL) Exit Strategy

A concept to exit the loan in a premium financed strategy using an IUL contract.

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Life Insurance Blending Strategy

Learn how diversifying your insurance portfolio with a whole life and an indexed universal life policy may help take advantage of the best of two worlds.

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