coverage options for every stage
Insurance Services
Million Dollar Baby Plan
The Million Dollar Baby Blueprint is more than life insurance. It is a powerful financial foundation designed to grow with your child.
Starting as early as 15 days old, this Indexed Universal Life (IUL) policy provides lifelong coverage while building tax-advantaged, compound cash value.
With monthly contributions starting at $150, your child could access over $1 million by early adulthood, tax free and penalty free.
Key Features:
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Parents or grandparents can open and manage the policy.
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Premiums are lowest when started at a young age.
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Coverage stays in place even if the child’s health changes.
Index Universal Life Plan
An Indexed Universal Life (IUL) policy is a powerful financial tool that combines lifelong life insurance coverage with the potential for tax-advantaged cash value growth.
With an IUL, a portion of your premium goes toward life insurance protection, while the rest is invested in a cash value account that earns interest based on the performance of a stock market index without being directly in the market.
Key Features:
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Flexible payments fit your life and budget.
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Easily add additional protection for disability or critical illness.
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Access cash value to help cover your premium when needed.
Term Life Insurance
Term life insurance provides coverage for a specific period—usually 10, 20, or 30 years—offering peace of mind during your family's most financially vulnerable years.
If something happens to you during the covered term, your loved ones receive a tax-free death benefit that can help cover major expenses like mortgage payments, childcare, college tuition, and everyday living costs.
Key Features:
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Option to switch to lifelong coverage without new health questions.
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Protect your family during their most important years.
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Quick application and fast coverage decisions.
Whole Life Insurance
Whole life insurance is a permanent policy that protects your loved ones for a lifetime—not just a set number of years. As long as premiums are paid, your family is guaranteed a tax-free death benefit whenever it’s needed, whether that’s tomorrow or decades from now.
Whole life policies also build cash value over time—a living benefit you can borrow against to help with emergencies, education costs, or even a down payment on a home.
Key Features:
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Builds guaranteed cash value every year.
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Remains in force regardless of changes in health.
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Access to policy loans for emergencies or big plans.
Final Expense Insurance
Final expense insurance—also known as burial insurance—is a type of whole life insurance designed to cover the costs that come at the end of life, such as funeral services, burial, medical bills, or other outstanding debts.
These policies are typically smaller in amount but make a big difference in relieving financial stress for loved ones during an emotional time.
Key Features:
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Pays benefits directly to the person you choose.
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Simple application with no medical exam required.
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Funds are available for any end-of-life expense.
Contact us for any questions or inquiries.
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