Meet The Team
We leverage our broad experience in underwriting, premium financing and prospecting to build lifelong relationships with you. Our skills have proven to be invaluable because of how we can assist you in every aspect of life insurance planning and sales, from application through placement. We can apply complex and high-net-worth planning principles successfully for even the most discerning clientele, proving our dedication to always finding the right solutions for you.
The 360 Degrees of Life Insurance
Term / Return of Premium
Term life insurance is a life insurance solution providing coverage at a fixed rate of payments for a certain term or period of time. Its purpose is to pay a benefit to a beneficiary in the event of the death of the insured, during the specified term.
Whole life insurance is a type of life insurance contract that includes both insurance and investment components. It has two purposes: to pay a benefit when the insured person passes away and to accumulate cash value the insured individual can borrow against or withdraw.
Guaranteed Universal Life
Guaranteed universal life insurance is a type of insurance that guarantees the policyholder a death benefit. The purpose of its design is to ensure the policyholder receives a guaranteed rate of return.
Universal life insurance is a type of permanent life insurance that can provide you with many flexible options and low-cost protection that also allows you to contribute extra premium and change death benefits. The purpose of a universal life insurance policy is to provide purchasers with more flexibility than whole life insurance.
Indexed Universal Life
Indexed universal life insurance is a type of life insurance not directly invested in the market. It’s designed to offer growth to the policyholder’s cash account based on the performance of an index, and, much like an annuity, an indexed universal life insurance policy will likely have floor guarantees and policy ceilings.
Linked Benefits / Hybrid
Linked-benefit hybrid plans are asset-based insurance policies that offer policyholders alternative uses for their life insurance. The purpose of these policies is to provide policyholders with more flexibility and more affordable long-term care options.