OUR SERVICES

All services are complementary and no obligation to purchase anything. We are here to help you get what you want and need.

CURRENT POLICY REVIEW

Life Insurance Policies are to be reviewed regularly as life changes. Our agents are independent and local to provide this service so you policy still fits to your situation.

FINAL EXPENSE QUALIFICATION

The only type of insurance guaranteed to be used. Qualifications are based on one's age and health. Usually used for immediate end of life expenses such as cremation or funeral and expenses occurred by the family to attend to these matters.

MORTGAGE PROTECTION QUALIFICATION

Plans to cover the full mortgage amount or can be adjusted according to the plans you have in place incase of downsizing or moving to be closer to family. Also, protects equity if the house is to be sold as inheritance.

INSURANCE NEEDS ANALYSIS

Newer to insurance? Our agents can provide a step by step analysis to show what is needed to protect your immediate situation within your budget and financial plans.

FINANCIAL FREEDOM PLANNING

With the proper assets allocated correctly, you can achieve your financial goals faster resulting in paid off debts and growing your future retirement accounts with very favorable tax benefits. Depending on age and health, can also be a form of tax free retirement planning.

FINANCIAL LIFELINE PROGRAM

Our proven system of contacts has ensured our clients that they get all the financial benefits they are eligible for in a timely manner. It enables your family to get the help they need faster with less red tape once established.

FAQ

General Questions

Does it cost anything to meet with your team?

No, legally, our team can not take any money made out to them or our company. Our clients have the financial relationship with the insurance companies we qualify them for.

How long is a typical meeting?

Initial meetings can be done in 45 minutes to an hour. Your meeting may run longer due to the questions you may have for your situation.

I already have coverage through work. Do I need insurance?

This is always situational as we do not know what your retirement package may entail or what your work insurance covers. We highly recommend our policy review service in this situation.

I already have life insurance through my credit union. Do I need this?

Most life insurance programs through credit unions and banks are situational. They may decrease or reduce benefits or be limited to a certain age. We recommend our policy review service to understand fully what you have been paying for.

I have coverage through another company already. Do I need this?

This is also situational as life is constantly changing. Most people get coverages for loss of income, mortgage protection, final expenses or to further their financial legacy. We recommend our complementary insurance needs analysis for a better answer to your situation.