Individual Insurance Plans

We provide individuals with comprehensive insurance solutions. We search from over two hundred companies for the 8 most competitive pricing for term and universal life insurance. Clients seeking variable life, whole life or Index universal life choose from the strongest carriers in the world.

Life Insurance

Why should people buy life insurance?

Each family has an economic life. Your family requires money to pay bills and buy the the necessary items to survive and to move forward toward your dreams and goals.

Each member of the family that contributes toward those bills has a value to the family based on what he contributes now and will contribute in the future.

Life insurance is the way to secure each person's value to the family. When that person dies prematurely then the policy pays a benefit to the family equal to the amount of coverage that was purchased.

Coverage can be purchased in a variety of life insurance policy types. Term insurance or permanent insurance. Term insurance is the lowest premium form and can be purchased as an individual or through a group such as an employer.

Permanent insurance comes in several forms but all of them involve a cash value and a face amount with some variations among types.

We provide individuals with comprehensive life insurance solutions. We search from over two hundred companies for the 8 most competitive pricing for term and universal life insurance. Clients seeking variable life, whole life or Index universal life choose from the strongest carriers in the world.

Disability Income Insurance

If an individual is sick or injured how does the family pay bills? The illness or injury can triger a waiting period (sort of like a deductible) after which payments begin to the household. The time period and the amount paid are chosen at the time that coverage is purchased. Business owners can buy coverage to pay overhead. Business partners can buy lumpsums of coverage to fund buyouts of partners unable to work. We are partner with the top specialist in the industry to provide a choice of carriers with coverage that starts when you need it and continues until you are completely able to earn as you did before your disability.

Long-Term Care

What can you do if a family member requires care not covered by health insurance or medical care? Long term rehabilitation? A family member needs care at home during working hours or can't feed themselves, can't dress themselve? Maybe someone can't walk?

Conventional insurance may not cover these types of occurences. The insurance industry has created a special product which we call long term care.

Contracts can provide a variety of resources in a variety of formats. Some life insurance policies allow the family to draw lump sum's against the death benefit. There are other contracts which provide a daily benefit subject to a monthly maximum and an elimination period (sort of like a deductible.)

We employ the leading specialist in the insurance industry to analyze your health and morbidity to recommend the top carriers matching your needs and allow you choices to fund you coverage in the most economic way.

Annuities

Clients sometimes want to save more money than their retirement plan allows.

Some individuals are concerned about paying too much in taxes on investment accounts.

People who don't have pensions may want to arrange for guaranteed investment income for their life and maybe for the life of their spouse as well.

All of the above are candidates for annuities. Annuities can allow people to invest as much as they want for retirement. They provide for tax deferral. They provide several opportunities to obtain guaranteed monthly income.

Our specialist uses the strongest insurance companies in the world. You choose between them for the particular products to give you the features you need: Guaranteed income for life. Tax deferred growth linked to the underlying investment choice you need.

Retirement Planning

We can analyze your resources and project their future values. We use your current expenditures to predict your retirement lifestyle and guide you to fully funding comfortable and secure plans for your future

Policy Review

We analyze your existing coverages and provide a report of strengths and weaknesses as needed. We provide comparisons of what was promised, delivered and what you could buy today.

Premium Financing

Clients may choice from top carriers and leading premium lenders in the world. We specialize in the Libor/Index arbitrage technique which allows qualified clients to post collateral and purchase cash value insurance contracts without paying premiums. We can design the technique to fit the customer.

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