Lock in Life Insurance That You Can Use While You're Still Alive
Lock in a life insurance policy that protects your family and gives you access to living benefits like critical illness coverage and tax-advantaged cash value. Use it to pay off debt, cover medical expenses, fund your child’s education, or supplement your retirement—all while keeping your death benefit in place.
Lock in Life Insurance That You Can Use While You're Still Alive
Lock in a life insurance policy that protects your family and gives you access to living benefits like critical illness coverage and tax-advantaged cash value. Use it to pay off debt, cover medical expenses, fund your child’s education, or supplement your retirement—all while keeping your death benefit in place.
What we provide
Term and Whole Life Insurance
Choose between affordable, time-based protection with term life or lifelong security and cash value with whole life insurance. Term life is ideal for income replacement, mortgage protection, and covering short-term needs. Whole life guarantees permanent coverage, level premiums, and a growing cash value you can access during your lifetime.
Indexed Universal Life
An IUL policy gives you flexible lifelong protection with the ability to grow cash value based on market index performance—without risking your principal. Use it to build tax-advantaged wealth, access funds for emergencies or investments, and create a reliable income stream for retirement.
Annuities
Annuities turn your savings into guaranteed income you can’t outlive. Perfect for retirement planning, annuities provide steady, predictable payments and can grow tax-deferred. Choose from options like fixed or indexed annuities to match your long-term goals and risk tolerance.
Most People Don't know These Life Insurance Options Come with Living Benefits.
Term and Whole Life Insurance
Choose between affordable, time-based protection with term life or lifelong security and cash value with whole life insurance. Term life is ideal for income replacement, mortgage protection, and covering short-term needs. Whole life guarantees permanent coverage, level premiums, and a growing cash value you can access during your lifetime.
Indexed Universal Life (IUL)
An IUL policy gives you flexible lifelong protection with the ability to grow cash value based on market index performance—without risking your principal. Use it to build tax-advantaged wealth, access funds for emergencies or investments, and create a reliable income stream for retirement.
Annuities
Annuities turn your savings into guaranteed income you can’t outlive. Perfect for retirement planning, annuities provide steady, predictable payments and can grow tax-deferred. Choose from options like fixed or indexed annuities to match your long-term goals and risk tolerance.
Register for insurance today
what benefits we provide
Discover how our life insurance solutions offer more than just protection. From financial security and retirement income to powerful tax advantages, we help you plan wisely for every stage of life.
Financial Security
Ensure your loved ones are protected with guaranteed death benefits that replace income, cover debts, and provide long-term peace of mind.
Retirement planning
Build a reliable income stream for your retirement using cash value life insurance or annuities—without relying solely on the stock market.
Tax benefit
Grow your wealth tax-deferred and access cash value tax-free through policy loans—plus, your death benefit is generally income tax-free to beneficiaries.
Register for insurance today
what benefits we provide
Discover how our life insurance solutions offer more than just protection. From financial security and retirement income to powerful tax advantages, we help you plan wisely for every stage of life.
Financial Security
Ensure your loved ones are protected with guaranteed death benefits that replace income, cover debts, and provide long-term peace of mind.
Retirement planning
Build a reliable income stream for your retirement using cash value life insurance or annuities—without relying solely on the stock market.
Tax benefit
Grow your wealth tax-deferred and access cash value tax-free through policy loans—plus, your death benefit is generally income tax-free to beneficiaries.
what our achievements
48 B+
Assets Under
Management
175+
Years in
Business
1.3 M+
Customers
Nationwide
what our achievements
47 B
Assets Under
Management
175+
Years in
Business
1.3 M
Customers
Nationwide
What client say about us
I always thought life insurance was just for when you're gone. But with the plan we set up, I can access funds now if I ever get sick—and I’m building savings too. This gave me and my wife real peace of mind.
Darcel Ballentine
Marietta, GA.
We didn’t know where to start, but the consultation made everything easy. We got term coverage to protect our home and an IUL to grow money for our kids’ college. It’s smart, and it feels good.
Leatrice Handler
Boca Raton, FL.
Frequently asked question
What is the difference between term and whole life insurance?
Term life provides coverage for a set period (like 10 or 30 years) and is typically more affordable. Whole life lasts your entire life, builds cash value, and offers lifetime protection.
Can I use life insurance while I'm still alive?
Yes! Many of our policies include Living Benefits, which let you access your coverage in case of critical illness, chronic conditions, or to borrow against the cash value for emergencies or retirement.
How do I Know how much coverage I need?
We use proven tools like the Human Life Value and Needs-Based Approach to calculate the right amount—based on your income, family needs, and financial goals.
What is an IUL and how does it help build wealth?
An Indexed Universal Life (IUL) policy is a type of permanent life insurance that offers lifelong coverage and cash value growth linked to a stock market index—without the risk of market losses. It’s a powerful tool for building tax-advantaged savings, accessing funds during your lifetime, and supplementing your retirement income.
What client say about us
I always thought life insurance was just for when you're gone. But with the plan we set up, I can access funds now if I ever get sick—and I’m building savings too. This gave me and my wife real peace of mind.
Darcel Ballentine
Marietta, GA
We didn’t know where to start, but the consultation made everything easy. We got term coverage to protect our home and an IUL to grow money for our kids’ college. It’s smart, and it feels good.
Leatrice Handler
Boca Raton, FL.
Register for insurance today
Answer a few quick questions and see how
ffordable real protection and benefits can be.
Register for
insurance today
Answer a few quick questions and see how
ffordable real protection and benefits can be.
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