Services
What We Provide
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Insurance Consultation
Our insurance consultation is a free service that consists of meeting with prospective clients to get to know what the current financial picture looks like.
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Emergency Response Notification Service
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Insurance Policy Review
As a free service to the client, the policy review of their life insurance policy(s) is integral to ensuring their policy(s) as a component of your overall Family
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Supplemental Insurance
What is Supplemental Insurance? Supplemental Insurance Policies provide cash, that is paid directly to the policyholder, to help pay expenses not covered by your primary health insurance. It helps cover what primary health insurance doesn’t provide such as deductibles, co-insurance, labs, mortgages, groceries, and other everyday expenses. Supplemental Insurance can be obtained through your employer if offered […]
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Tax Free Retirement
Social Security income benefits in the immediate future will continue to be the foundation of our retirement structure for those of us in the working middle class economically.
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Career Oppportunities
Requirement: Perform with a strong determination to succeed. Be a People Person or willing to grow and relate to business, individual, and people’s Financial Security Protection Plan needs. Perform with a strong will to help Families, Individual, and Business understand how Life Insurance adapts and fulfill various funding needs during a different phase of life’s […]
Not a Threat!
Innovations Present An Opportunity…
Some Life insurance contracts allow the policy owner to build cash value through your life insurance policy that accumulates over your lifetime. This is considered a living benefit of life insurance because, in contrast to a death benefit that pays out when you pass away, you can use the money while you’re still alive. Those cash values have mostly been limits of life insurance living benefits until in recent years a revised awareness and knowledge that statistical and actuarial analysis of deaths has given some companies in the Insurance Industry the vision that allows for them to offer Living Benefits policies with leverages such that one does not have to DIE to use the DEATH BENEFITS of life insurance policies.
Life Insurance policies with Living Benefits provide contingencies for major health care treatment costs such as cancer, a heart attack, a stroke, and other catastrophic illnesses insurance could be the only thing standing between you and financial ruin.
Those companies that are offering Living Benefits have varying conditions and limitations but you can generally expect provisions for the following:
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Terminal Illness
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Chronic Illness
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Syconal Illness
Terminal Illness is determined when the insured is certified by a licensed physician as being terminally ill and is expected to die within 24 months of such diagnosis (12 months in certain states). This contingency allows the insured to accelerate up to 100% (with companies’ limitation) of the policy death benefit in event of a terminal illness.
Chronic Illness is defined as being unable to perform 2 of 6 activities of daily living (bathing, continence, dressing, toileting, eating, and transferring) without assistance from another person or being severely cognitively impaired for 90 consecutive days or more. Can accelerate 24% of death benefits annually or 2% of death benefits monthly.
Critical illness insurance contingencies help with the cost burden of surviving a heart attack or stroke and could leave a patient with insurmountable medical bills as the average life expectancy continues to increase.
Concepts of Insurance Usage
The exorbitant costs of treating life-threatening illnesses are usually more than usually more what major medical insurance plans will cover.
Many people assume they’re fully protected with a standard health insurance plan, but the exorbitant costs of treating life-threatening illnesses are usually more than any plan will cover. Read on to learn more about critical illness insurance and whether it’s something you and your family should consider.
Critical illness insurance provides additional coverage for medical emergencies like heart attacks, strokes, or cancer.
• Because these emergencies or illnesses often incur greater-than-average medical costs, these policies pay out cash to help cover those overruns when traditional health insurance may fall short.
• These policies come at a relatively low cost. However, the instances that they will cover are generally limited to a few illnesses or emergencies.
Concepts of Life Insurance
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Living Benefits Life Insurance
Some Life insurance contracts allow the policy owner to build cash value through your life insurance policy that accumulates over your lifetime. This is considered a living benefit of life insurance because, in contrast to a death benefit that pays out when you pass away, you can use the money while you’re still alive. Those cash values have mostly been limits of life insurance living benefits until in recent years a revised awareness and knowledge that statistical and actuarial analysis of deaths has given some companies in the Insurance Industry the vision that allows for them to offer Living Benefits policies with leverages such that one does not have to DIE to use the DEATH BENEFITS of life insurance policies.
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Risk Of Living Too Long
We can generally deduce that life in the United States is being extended because of the outcomes of preventive and curative medical services of today. If you were to have an extended life it is possible that you will deplete your retirement savings. This means you will only have Social Security and Medicare to rely on for your living expenses.
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Indexed Universal Life
Indexed Universal Life insurance (IUL) policies are relatively new. As their name implies, their earnings potential is tied to an equity index. This gives the IUL cash accumulations the potential to earn higher returns if the market performs well. The potential for higher returns than traditional whole life insurance guaranteed cash value accumulations is because the credited interest is based on the performance of an equity index, such as the S&P 500.
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Home Mortage Protection Insurance
Perhaps the family’s largest and most beloved purchase, the home, which provides us with shelter, leisure, worship space, and a lot of time office space can be lost by the unexpected death of a breadwinner. If advance plans are taken to secure the family home and lifestyle with the funds to replace and/or stabilize the loss of income in event that such an eventuality occurs.
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Legacy Charitable Giving Plans
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Business Funding Needs
The size of a business is not the determinant factor for a business needs to have life insurance as a funding source. Whether you are a one-person band, a family partnership, a two-person partnership, or a multi-person partnership and the business is an incorporated entity and the owner/partner is a W2 employee your business possibly qualify for some of the tax advantages that could be gained by the implementation of business strategies by thriving larger business that is yearly adding an employee to the payroll.
Testimonials
What People Has to Say About Living Benefits Life Insurance
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