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My Mission: To help you break the shackles of Wall Street by giving you the truth, so you keep your hard-earned money, invest it successfully for the long-term and achieve financial independence.

Customized Life Insurance for Your Unique Needs and Goals

Get Life Insurance You Can Count On

Plan ahead to help protect your family. Life insurance helps provide some financial security to help your family cover medical bills, funeral costs, mortgage or rent, college tuition, and many other living expenses.

"A man who dies without adequate life insurance should have to come back and see the mess he created"

~Will Rogers

Types of Life Insurance

When deciding which type and amount of life insurance is right for you, you'll need to answer these important questions:

What do you want the insurance to cover?

What amount of coverage do you need?

How long will you need the coverage for?

What's your budget?

Answering the questions above will help you to understand which type of life insurance will work for your situation. The two main types are:

Term Insurance - Provides coverage for a specified amount of time.

Term Life Insurance

Very low cost, ideal for young families

Premiums that are guaranteed to stay the same for a defined term.

Option to convert the policy - You can convert your term policy to a permanent policy without having to take a new medical exam.

Choice of ways to customize your policy with add-ons known as riders to address your needs.

Permanent Insurance - Provides coverage for the rest of your life.

Permanent Life Insurance

A Permanent Life Insurance policy when properly structured not only provides valuable benefits for your loved ones in case of your death, but it can also be an important source of supplemental retirement income and tax planning vehicle.

Features:

Guaranteed level premiums for life.

Guaranteed coverage for life if premiums are paid.

No income limitations to participate.

Net cost lower than term life in the long run.

Tax free/ deferred accumulation of cash value.

Guaranteed cash value growth.

Living benefits, access to cash value to pay for life’s most crucial needs.

Benefits & Uses:

To fund retirement.

To create a tax-free income stream in retirement.

To pay for children education and living expenses such as healthcare.

For strategic wealth building and transferring wealth to your heirs.

Tax free death benefit.

How Life Insurance Needs Can Change Over Time

When determining what to buy and when, it is worth remembering that the younger you are when you buy, the more cost effective it will be.

Financial Planning

You need an approach that helps you avoid buying insurance that does not last long enough and buying permanent insurance for temporary needs.

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