Term Life Insurance:

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Term life insurance provides coverage at a fixed rate of payments for a limited period of time. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially convert to a permanent policy with new-age applied. With a conversion, proof of suitability is not required.

 

Permanent Life Insurance:

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• Whole Life: Fixed and Guaranteed coverage for your whole life.

• Universal Life: Flexible Premiums and Death Benefits, also flexible cash value growth for the life of the policy.

• Indexed Universal Life: All the above; however the cash value growth potential is based on the market index. This is an INDIRECT measure to the stock market.

• Variable Universal Life: All the same as Universal Life except the cash value portion of the policy is now invested DIRECTLY in the stock market. This means a variable return on the investment portion. Highest potential but also may incur losses.

 

Among the Specialty Types we offer:

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• Final Expense: CHOICE LIFE, from 5,000 to 50,000 of coverage with no blood work for ages 50-85!

• WORKSITE Products: For groups of 3 or more, up to 100,000 in coverage, no lab work, payroll deducted, tobacco friendly.

• INDEXED Universal Life: newer Banker concept: guarantee no loss, participate on the growth side, flexible terms, loans allowed, the death benefit. Recommend reading THE RETIREMENT MIRACLE by Patrick Kelly.

• Safe Money Millionaire Strategy: guarantee no loss, participate on the growth side, flexible terms, loans allowed, the death benefit. Recommend reading Safe Money Millionaire.

• Million Dollar Diva: Same as the Safe Money Millionaire just a different approach. Recommend reading Million Dollar Diva.