Secure Your Future.
Life insurance & long term planning isn’t just about protection — it’s about empowerment.
It helps you care for your family, even when you’re not there, and gives you the tools to build lasting financial security with income that grows over time.
Peace of mind looks good on you!
Permanent insurance lasts your whole life, builds cash value, and helps you leave a legacy — while offering living benefits you can use along the way.
Types of Permanent:
Whole Life
Indexed Universal Life
Universal Life
Final Expense
An annuity is a financial product you invest in—usually through an insurance company—that provides guaranteed income payments, often for the rest of your life.
Annuities provide steady, reliable income in retirement, helping you enjoy your next chapter with confidence and peace of mind.
Affordable, temporary coverage for a set period (10, 20, or 30 years). Ideal for young families or those needing protection during key life stages.
Pros of Term
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Affordable Premiums
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Usually the lowest-cost way to get a high amount of coverage.
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Flexible Term Lengths
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Choose coverage for 10, 20, 30 years, or more based on your needs.
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Great for Temporary Needs
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Perfect for covering a mortgage, raising children, or other short-to-medium-term expenses.
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Convertible Options (with some policies)
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Many policies allow you to convert to permanent insurance without a medical exam.
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Cons of Term
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Coverage Ends When the Term Ends
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If you outlive the policy, there’s no payout (unless you have Return of Premium).
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No Cash Value
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You can’t build savings or equity in the policy.
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Renewal Can Be Expensive
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Premiums often rise sharply if you want to renew after the term expires.
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If your health declines, it may be harder or costlier to get a new policy later.
Term Insurance
*there are many types of permanent insurance, this is just showcasing the IUL
Pros of an IUL
Lifelong Coverage
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As long as you pay premiums, coverage never expires.
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Builds Cash Value
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Part of your premium goes into a savings/investment component you can borrow or withdraw from. You earn interest based on market performance
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Tax Advantages
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Cash value grows tax-deferred; death benefits are typically tax-free.
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Flexible Options
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Some policies allow you to adjust premiums and death benefits as your needs change
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Estate & Legacy Planning
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Ideal for passing wealth, paying estate taxes, or funding trusts.
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Cons of an IUL
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Higher Premiums
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More expensive than term for the same death benefit.
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Lower Early Returns
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Cash value grows slowly in the early years. (if not overfunding)
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If you only need coverage for a set period, term may be more cost-effective.
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Fees & Costs
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Some policies have administrative fees or surrender charges if canceled early.
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Indexed Universal Life
Pros of Annuities
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Principal Protection
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Your original investment is protected from market losses. You’re not actually invested in the market — so you’re insulated from crashes.
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Growth Potential
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You can earn interest based on market performance
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Tax-Deferred Growth
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earnings grow tax-deferred until withdrawn.
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Guaranteed Income Options
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You can add riders to convert your balance into guaranteed lifetime income.
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No Contribution Limits
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Unlike 401(k)s or IRAs, you can invest large sums.
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Cons of Annuities
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Limited Upside
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Returns are capped or limited by participation rates (you might only earn 4–8% even if the market earns 12%).
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Complex Terms
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Caps, spreads, and indexing methods can be confusing for the average person.
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Surrender Periods
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If you withdraw early, you may face steep penalties (5–10 years is typical).
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Fees for Add-Ons
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Income riders or death benefit riders can increase costs.
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Taxed as Ordinary Income
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When you withdraw, gains are taxed at income tax rates — not capital gains rates.
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Annuities & Retirement
Examples of who may benefit from TERM
Mia & Carl, 28
Newlyweds with a mortgage and big future plans.
➡️ Solution: Term Insurance gives them affordable coverage to protect each other financially while not breaking the bank.
Kevin, 40
A single dad with two kids (ages 4 and 8)
➡️ Solution: A 20-year Term Policy ensures his kids would be financially secure if anything happened to him while they are still dependent.
Rachel, 55
A small business owner with a loan in her name.
➡️ Solution: A 10-year Term Policy protects her family and business by making sure debts and expenses would be covered until the loan is paid off.
Examples of who may benefit from an IUL
Sophia, 35
A young professional who wants life insurance outside of their limited job policy and an extra way to build wealth.
➡️ Solution: An IUL provides lifelong protection while growing cash value tax-deferred, which she can use later for a home, college funding for kids, or retirement.
John & Carla, 45
Parents who want to protect their family but also create a flexible financial plan.
➡️ Solution: An IUL gives them death benefit protection and the ability to access tax-advantaged cash value for emergencies, college costs, or even supplementing retirement income. Both spouses are covered in the event one passes way.
David, 55
Focused on retirement planning but doesn’t want all his money tied up in the market.
➡️ Solution: An IUL offers market-linked growth potential with downside protection, plus a way to build tax-free income while still leaving a legacy.
Examples of who may benefit from an Annuity
Angela, 52
Wants her retirement savings to grow without the fear of losing it in a market crash.
➡️ Solution: An Indexed Annuity protects her money while still letting it grow with the market, plus guarantees income when she retires.
Jasmine, 34
Has an old 401(k) from a past job just sitting untouched.
➡️ Solution: Rolling it into an Indexed Annuity secures her savings, keeps it growing, and builds guaranteed future income.
Mark & Denise, 63
Ready to retire, but worried about market swings.
➡️ Solution: An Indexed Annuity locks in growth now and provides a steady income stream for life.
Active Carriers
