What We do
Life Insurance
- Term Life Insurance
- Permanent Life Insurance (Whole Life Insurance + Indexed Universal Life Insurance
- Final Expense
- Mortgage Protection
- College Funding.
Advanges
Purchasing life insurance safeguards your spouse and children from the significant financial burden that could arise if you were to pass away. It offers financial security, assists in settling debts, covers living expenses, and addresses any medical or final costs.
Annuities
- Fixed Annuity.
- Fixed Indexed Annuities.
Advantages
Annuities are long-term insurance contracts that convert your retirement savings into an income stream that you won’t outlive, similar to a pension. Our annuities are tax-deferred, which means you won’t have to pay income tax on any earnings until you make a withdrawal. (Withdrawals prior to age 59 ½ may be subject to a 10% IRS penalty.) Annuities can be customized with add-ons to help protect your money from losing value and/or allow you to leave your money to loved ones should you pass away.
Advanced Market
- Reverse banking Method.
- Infinite Banking Concepts.
- Premium Financing.
- Alternative Investments.
Advantages
Reverse Banking Method: Asset Protection – This method, often associated with leveraging whole life insurance, helps safeguard assets from creditors and legal claims by keeping funds within a secure insurance policy.
Infinite Banking Concepts (IBC): Personal Banking System – IBC allows individuals to use the cash value of a whole life insurance policy to act as their own bank, providing flexible access to funds and potentially saving on interest costs compared to traditional bank loans.
Premium Financing: Preserve Liquidity – Premium financing enables individuals to obtain high-value life insurance policies without using their own capital for premiums, allowing them to maintain liquidity and invest their capital elsewhere.
Alternative Investments: Diversification – Alternative investments offer opportunities for diversification beyond traditional stocks and bonds, helping to reduce overall portfolio risk by including assets with low correlation to traditional markets.
Debt Settlement
- Reduced debt settlement.
- Elimination.
Advantages
Debt settlement can offer several advantages for those struggling with overwhelming debt:
Reduced Debt Amount: Debt settlement can significantly reduce the total amount owed. By negotiating with creditors, you may be able to settle the debt for less than the full amount, potentially saving a substantial portion of the balance.
Lower Monthly Payments: Once a settlement is reached, the new terms can result in lower monthly payments, making it more manageable to stay current on your financial obligations.
Avoid Bankruptcy: Debt settlement can be an alternative to filing for bankruptcy. It allows you to resolve your debt issues without the severe long-term impact on your credit score and financial future that bankruptcy can have.
Debt Relief and Stress Reduction: Settling debt can provide a sense of relief and reduce financial stress. It can help individuals regain control over their finances and focus on rebuilding their financial stability.
Potential Improvement in Credit Score: While debt settlement initially impacts your credit score, successfully settling debts and managing payments on new or remaining obligations responsibly can eventually lead to credit score improvement over time.
Free Estimation
Contact our specialized team today for a quote that suits your needs.
