Life Insurance is here to make your family’s future more secure

Be prepared for unforeseen challenges. What if you were to face permanent disability, receive a terminal illness diagnosis, or pass away, would you want to leave your family burdened with debt?

What reason will you get protected?

“I used my life insurance policy to set my children up for collage.”

“I used my life insurance to pay off my mortgage and I still have coverage to take care of my family when I pass.”

“I got life insurance to plan for retirement.”

WAYS TO USE LIFE INSURANCE

A vehicle for investment

If you get a 401k or Roth IRA, your contributions are limited to $6,000 per year and taxed when it is liquidated. IULs have no cap contributions
Use it while you are alive

If you get a 401k or Roth IRA, you must wait until you are 59.5 years old to use the money without penalization.
You can cash out your life insurance on your terms with no penalties or taxes.
Use it to keep yourself alive

Living benefits such as if you get diagnosed with a chronical illness, critical illness, terminal illness, you can get paid out to help cover your medical bills.
Free from estate taxes

IULs offer death benefits that payout surpasses estate tax limit without trigger federal estate taxes due to its life insurance nature
Put your family through college

If you get a 401k or Roth IRA, you are limited to—— and taxed when it is liquidated. IULs have no cap contributions
Keep your family protected financially

Having life insurance makes sure your family is financially covered when you pass. It pays for bills when your family needs time to grieve and leaves a financial legacy for your family to stay afloat on.

TODAY’S REALITIES

DISTURBING LACK OF FINANCIAL EDUCATION

36% of workers have less then savings $1,000 in saving investments that will be use for their future.
INSUFFICIENT INSURANCE PROTECTION

Insufficient Insurance Protection: 56% of households in America DO NOT have individual life insurance, equal to the 50-year low set in 2010 Three Enemies of Money: Inflation, Risk/Loss, Taxes. “It's not how much you make how much you keep”.
FAILING SOCIAL SECURITY

Social Security’s tax income is projected to be insufficient to pay currently scheduled benefits by 2016. Without changes, by 2037 the social security trust fund will be exhausted.