what we provide
We can take care of all of your financial products and services needs, from life insurance to annuities and everything in between. We take the time to understand your entire financial picture so that anything we recommend will coincide with your overall financial strategy and objective.
life products
We have the most comprehensive portfolio of products to service all your life insurance needs. Whether it is standard term life insurance, mortgage protection insurance or universal life (earn interest on your premiums) we can give you all your options that will fit your particular financial situation.
One of the most unique features of our policies is the return of premium rider which refunds every penny of premium should you live to the end of the policy term - just like getting your policy for free if you never needed it! Compared to the non-return of premium amount, the difference in price will return an after tax interest rate of 9% to 11% when the premium is returned to the client (this is true even if the term is 15 years). Another unique feature is our extended premium guarantee which will absolutely guarantee that the rate you lock in today will be the same (stated in the policy contract) rate you pay through the life of the term.
college financial planning
When it comes to planning for college, most families erroneously think they have to rob their retirement portfolio to pay for college. Most families due to lack of knowledge also pay several thousands of dollars more than they have to to fund their children's college. With a little financial planning advice, we can save you several thousands of dollars per year and help your child qualify for the maximum financial aid available. Set up an appointment with one of our college financial planning experts to help guide you through the college financial planning maze. Our affiliation with the Circle of Neighbors Program and Collegiate Funding Solutions has proven to be the most beneficial partnership to put our clients in a position to win in the college funding game!
private retirement planning
Why leave all your retirement planning in your company? After all the press lately about companies cooking their books, filing for bankruptcy, leaving all that hard earned retirement money down the drain, shouldn't you take your own retirement more seriously. We have helped numerous clients set up their own private retirement plan that is safe, pays a strong rate of return, grows your money tax-deferred and provides an income at retirement upon which you pay no tax. How much safer can you get while growing your money tax-free? What other kind of vehicle will pay an instant return upon your death, even if you haven't had enough time for your money to accumulate? Call us and find out about this fantastic program that many of our clients are taking advantage of!
annuities
We offer some of the most unique annuity products in the industry, whether you want an equity indexed annuity based on the growth of the S&P 500 index (without the risk of loss), you can be sure there is an annuity product that will match your tolerance for risk. So if you have a CD at some bank earning only a minimal interest, or have a 401K that needs to be rolled over into a safe vehicle that will continue to grow with no risk of loss, talk to one of our financial services professionals to examine your options.
disability and critical illness protection
We have one of the most unique supplemental disability and critical illness programs on the market designed to protect your mortgage. Since this payment is not considered traditional supplementary disability, it is not subject to coordination (your state looks at all the sources of disability payments and levels the benefit not to exceed 2/3rd's of the individuals base salary). With our mortgage disability coverage, we will pay 100% of the mortgage payment after a 90 day waiting period for up to two years per disability mishap.
We also have other disability and critical illness programs available to fit your needs.
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