TERM LIFE INSURANCE: a tax-free death benefit only for a specified term (i.e. 10, 20, 30 years)
INDEXED UNIVERSAL LIFE: a life insurance policy that’s over-funded to build up cash value. You’re able to take out loans against the cash value tax free without penalty. Primarily used for supplemental retirement income and college savings. With an indexed account, you will NEVER lose money due to market decline.
FIXED INDEXED ANNUITIES: a single deferred premium insurance product (no medical testing) that is designed to accumulate in value for a later income stream. You will never lose money with this account. Lifetime income and death benefit enhancement/legacy riders also available. Premium bonuses for the riders.
FINAL EXPENSE: Designed to pay for a funeral and other expenses. Available for ages 50-85.
LONG TERM CARE: Helping you or a family member design a plan to help pay for home care or nursing home costs. Hybrid Policy (LTC, Death Benefit and Return of Premium)
SUPPLEMENTAL POLICIES: supplemental policies that pays you tax free money to assist with medical bills, loss of income etc if you get hurt on or off the job or diagnosed with cancer, or suffer a critical illness. Individual and family plans available.
DISABILITY INSURANCE (DI): A plan designed to help pay bills and medical costs in the event you become sick or disabled for extended period of time.
PROPERTY AND CASUALTY: home, auto, renters, condos, boats, motorcycles, personal articles/floaters and more. I NO LONGER HANDLE PROPERTY AND CASUALTY AS OF JUNE 2016. I AM STILL LICENSED IN P & C, BUT I AM NOT SELLING IT ANYMORE. IF ANYONE NEEDS INFORMATION OR A QUOTE, I CAN REFER YOU TO ONE OF MY BROKERS.