Fixed Annuities
Guaranteed interest rate, predictable growth, principal protection. The simplest option.
Protecting Your Family & Your Future
Life insurance gives peace of mind. Annuities create guaranteed income. Supplemental plans cover the gaps. We help with all three.
Life Insurance
Make Sure the People You Love Are Taken Care Of
From small final expense policies to larger family protection, we’ll help you choose the right type and amount.
Final Expense
Cover funeral and burial costs without leaving family scrambling. Whole-life policies, simple application, often guaranteed acceptance.
Why people choose final expense
- Premiums never go up — locked in for life
- Coverage never decreases as you age
- Builds modest cash value over time
- Easy approval, even with health issues
- Direct payout to your chosen beneficiary
Carriers we use: Mutual of Omaha, Family Benefit Life, GTL, CICA and others.
Term Life
Affordable, large coverage amounts for a specific period — perfect while you have a mortgage or kids at home.
How it works
- Pick a term (10, 15, 20, 30 years)
- Pay a fixed monthly premium
- If you pass during the term, your family gets the full benefit tax-free
- Some plans convert to permanent coverage later
Whole & Universal Life
Permanent coverage that builds cash value you can borrow against later.
Best for
- Lifelong coverage that never expires
- Estate planning and wealth transfer
- Tax-advantaged cash accumulation
- Higher premiums but bigger long-term value
Annuities
Turn Your Savings Into Guaranteed Income
Annuities can give you a paycheck for life — and they protect your nest egg from market crashes.
Indexed Annuities
Growth tied to a market index (like the S&P 500) but with a floor — you can’t lose money to a market drop.
Income Annuities
Convert a lump sum into a guaranteed monthly check for life or for a set number of years.
Annuities are powerful but complex. We’ll explain trade-offs honestly and only recommend one if it genuinely fits.
Supplemental Coverage
Cover the Gaps Medicare Misses
Affordable add-ons that give you cash benefits or fill in routine costs Medicare doesn’t pay for.
Dental
Cleanings, fillings, crowns and dentures. Stand-alone plans starting at low monthly premiums.
Vision
Annual exams, frames, lenses and contacts — including LASIK discounts on many plans.
Hearing
Hearing tests, hearing aids and follow-up care. Hearing aids alone can save you thousands.
Hospital Indemnity
Cash benefit paid directly to you for each day you’re in the hospital. Use it however you want.
Cancer Policies
Lump-sum cash payment if you’re diagnosed. Helps cover travel, lost wages, experimental treatment.
Critical Illness
Coverage for heart attack, stroke and other major events that Medicare alone may not fully cover.
FAQ
Common Questions
For most people, yes. We work with several carriers and many policies use simplified or guaranteed-issue underwriting — no medical exam, just a few health questions. If one carrier declines, we can usually find another that approves.
It depends on your goals. For final expense, $10–$25k is common. For income replacement, a rule of thumb is 10× your annual income. We’ll do the math with you so you don’t over-buy or under-buy.
Final expense for a healthy 65-year-old often runs $30–$70/month for $10k of coverage. Term and whole life vary widely. We’ll quote you specific numbers — there’s no charge for a quote.
For some plans, yes — but we also offer guaranteed-acceptance whole life, which approves you regardless of health. There is almost always a coverage option that fits.
You give the insurance company a lump sum (or pay over time). In return, they grow it at a guaranteed or index-linked rate, and you can later convert it into a paycheck for life. The right type depends on your goals — we’ll explain the trade-offs.
Built-in Advantage dental is usually basic (cleanings, exams, simple fillings). Standalone dental plans cover bigger work like crowns, root canals and dentures. Many of our clients use both — Advantage for routine, standalone for major.
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