Insurance Services
Indexed Universal Life
Indexed Universal Life (IUL) is a permanent life insurance policy where the cash value is indexed to accumulate faster growth. It also provides long-term death benefit protection. It is issued on a simplified underwriting basis, which means our clients can get their policies faster.
IUL also provides a death benefit to the policyholder’s beneficiaries in exchange for periodic premium payments to the life insurance company. In addition to a death benefit, your policy may accumulate cash value which grows based on the performance of a market-driven index. You participate in a portion of the index gain, subject to certain limits, such as caps, spreads and participation rates. Policy guarantees offer protection to ensure you will never experience a loss in cash value due to index performance.
Whole Life
Provides lifetime coverage at a level premium that does not increase as long as premiums are paid as planned. Products offer guaranteed cash values that increase each year on a tax-deferred basis. Dividends may also be paid annually.
Term Life
Affordable term life insurance for temporary needs offering life insurance for a specified period to cover specific needs. Products offer guaranteed level death benefit, guaranteed premiums during initial coverage period, an option to convert to permanent life insurance, and a choice of coverage periods – 10, 15, 20 or 30 years. You can enhance your coverage with optional riders.
Health Insurance
A set of 10 categories of services health insurance plans must cover under the Affordable Care Act. These include doctors’ services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more. Some plans cover more services. We assist our clients in finding the best plan that is suitable for their needs.
Worksite Benefits
One of the best ways to attract and retain quality employees is to offer a competitive, comprehensive benefits package. Voluntary worksite benefits, also known as supplemental insurance, are a cost-effective solution to help employees offset out-of-pocket medical expenses. These benefits are employee-paid and can help your employees fill the gaps created by high-deductibles and rising co-pays, providing the financial security they need and deserve. Employees’ premiums can be payroll deducted and administration is simple.

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